Effective Date: 1st March 2025

At Vaultz (“we”, “us”, or “our”), your privacy and the security of your personal data are our top priorities. This Privacy Policy outlines how we collect, use, store, and protect your information when you use our payment services or visit our website (www.vaultzpay.com).

Vaultz complies with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and other applicable data protection laws.

1. Who We Are
   
   Vaultz is a provider of secure, compliant payment services.
   20 Wenlock Road, London, England, N1 7GU
   Email: [email protected]
   Website: www.vaultzpay.com
   Company Registration Number: 16341293
   
   2. What Data We Collect
   
   Depending on how you interact with us, we may collect:
   a. Personal Identification Information:
   – Name
   – Email address
   – Phone number
   – Billing and mailing address
   – Date of birth
   – Nationality (if required for compliance)
   b. Financial Information:
   – Bank account details
   – Payment card information
   – Transaction history
   c. Technical Data:
   – IP address
   – Device type
   – Browser type
   – Geolocation
   – Access logs
   d. Compliance & KYC Data (where applicable):
   – Identity documents (e.g., passport, driving license)
   – Proof of address
   – AML screening results
   
   3. How We Use Your Data
   
   We use your data for the following purposes:
   – To process and complete payment transactions
   – To verify your identity and comply with anti-money laundering (AML) and know your customer (KYC) regulations
   – To communicate with you about your account or services
   – To detect and prevent fraud or other criminal activity
   – To maintain legal and regulatory compliance
   – To improve our products and services
   
   4. Legal Basis for Processing
   
   Under UK GDPR, we process your data under the following lawful bases:
   – Performance of a contract – to provide the services you request
   – Legal obligation – to meet regulatory and compliance requirements
   – Legitimate interest – for business operations, fraud prevention, and security
   – Consent – where we ask you for marketing preferences
   
   5. How We Share Your Data
   
   We do not sell your personal data. We may share your data with:
   – Financial institutions involved in payment processing
   – Identity verification providers
   – Regulatory and government authorities, if required
   – Trusted service providers under strict confidentiality agreements
   – Our professional advisors (legal, compliance, accounting)
   All data processors are contractually bound to protect your data and act only on our instructions.
   
   6. International Transfers
   
   If your data is transferred outside the UK/EEA, we ensure it is protected using appropriate safeguards such as Standard Contractual Clauses (SCCs) or International Data Transfer Agreements (IDTAs).
   
   7. Data Security
   
   We use a range of technical and organizational measures to protect your data, including:
   – End-to-end encryption
   – Secure access controls
   – Regular vulnerability scanning and penetration testing
   – Monitoring and logging of all access
   
   8. Data Retention
   
   We retain your data only as long as necessary to fulfill the purposes for which it was collected, including legal, regulatory, tax, or accounting requirements. This typically ranges between 5 to 7 years for financial transactions, per industry standards.
   
   9. Your Rights
   
   You have the right to:
   – Access the personal data we hold about you
   – Request correction or deletion of your data
   – Object to or restrict processing
   – Withdraw consent (where processing is based on consent)
   – Request data portability
   – Lodge a complaint with the Information Commissioner’s Office (ICO)
   To exercise your rights, contact us at [email protected].
   
   10. Cookies and Tracking Technologies
   
   We may use cookies to improve site performance and personalize your experience. You can manage or disable cookies through your browser settings. See our Cookie Policy for more information.
   
   11. Third-Party Links
   
   Our website may contain links to other websites. We are not responsible for the privacy practices or content of those third parties.
   
   12. Changes to This Policy
   
   We may update this Privacy Policy periodically. Any changes will be posted on this page with an updated “Effective Date”.
   
   13. Contact Us
   
   If you have any questions or concerns about this Privacy Policy, please contact us:
   
   Vaultz
   20 Wenlock Road, London, England, N1 7GU
   Email: [email protected]
   Website: www.vaultzpay.com