Privacy Policy
Effective Date: January 1, 2026 Last Updated: January 1, 2026
1. Introduction
Qupe, Inc. ("Qupe," "we," "our," or "us") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and protect data when you use our website, mobile application, and financial services (collectively, the "Services").
By using our Services, you agree to the practices described in this Privacy Policy. If you do not agree, please discontinue use of the Services.
2. Information We Collect
2.1 Information You Provide
Account information: Full name, email address, phone number, date of birth, and government-issued ID details collected during registration and identity verification.
Financial information: Bank account details, card numbers, transaction history, and payment data provided when you use our Services.
Communications: Messages, support requests, and feedback you send to us.
2.2 Information We Collect Automatically
Usage data: Pages visited, features used, time spent on the Services, and referring URLs.
Device data: IP address, browser type, operating system, and device identifiers.
Transaction data: Details of every transaction processed through your Qupe account, including amounts, dates, merchant information, and location data where applicable.
Cookies and tracking: We use cookies and similar technologies to maintain sessions, remember preferences, and analyze usage. See Section 7 for more detail.
2.3 Information from Third Parties
We may receive information about you from identity verification partners, credit reference agencies, financial institutions, and fraud prevention services as permitted by applicable law.
3. How We Use Your Information
We use the information we collect to:
Provide and operate the Services, including processing transactions and managing your account
Verify your identity and comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements
Communicate with you about your account, transactions, and Service updates
Personalize your experience, including tailoring product recommendations and spending insights
Detect and prevent fraud, unauthorized access, and other harmful activity
Comply with legal obligations, including regulatory reporting and tax requirements
Improve the Services through analytics, research, and product development
Send marketing communications where you have provided consent (you may opt out at any time)
4. Legal Basis for Processing (EU/UK Users)
If you are located in the European Economic Area or the United Kingdom, we process your personal data under the following legal bases:
Contract performance: To provide the Services you have requested
Legal obligation: To comply with financial regulations and reporting requirements
Legitimate interests: To detect fraud, improve our Services, and conduct analytics
Consent: For marketing communications and non-essential cookies
5. How We Share Your Information
We do not sell your personal information. We may share your data with:
Service providers: Third parties who assist us in operating the Services (e.g., cloud hosting, identity verification, payment processing), who are contractually bound to protect your data
Financial partners: Banks, payment networks, and other financial institutions necessary to process your transactions
Regulatory authorities: Government agencies, law enforcement, and regulators when required by law or to protect legal rights
Business transfers: In connection with a merger, acquisition, or sale of assets, in which case we will notify you before your data is transferred
With your consent: Any other third party where you have explicitly authorized the disclosure
6. Data Retention
We retain your personal information for as long as your account is active or as needed to provide the Services. We are also required to retain certain financial records for a minimum of five (5) to seven (7) years under applicable financial regulations.
When your data is no longer required, we securely delete or anonymize it.
7. Cookies and Tracking
We use the following categories of cookies:
Category | Purpose | Can be disabled? |
|---|---|---|
Strictly necessary | Authentication, security, session management | No |
Functional | Preferences, language settings | Yes |
Analytics | Usage analysis and product improvement | Yes |
Marketing | Targeted advertising (where consented) | Yes |
You can manage your cookie preferences at any time through your browser settings or our cookie preference center.
8. Data Security
We implement industry-standard security measures to protect your personal information, including:
256-bit TLS encryption for all data in transit
AES-256 encryption for data at rest
Multi-factor authentication for account access
Regular security audits and penetration testing
Access controls limiting data access to authorized personnel only
No method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.
9. Your Rights
Depending on your location, you may have the following rights regarding your personal data:
Access: Request a copy of the personal data we hold about you
Correction: Request that inaccurate or incomplete data be corrected
Deletion: Request deletion of your personal data, subject to legal retention requirements
Portability: Receive your data in a structured, machine-readable format
Restriction: Request that we restrict processing of your data in certain circumstances
Objection: Object to processing based on legitimate interests or for direct marketing
Withdraw consent: Where processing is based on consent, withdraw it at any time
To exercise any of these rights, contact us at hello@qupe.com. We will respond within 30 days.
10. Children's Privacy
Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a minor has provided us with personal data, we will promptly delete it.
11. International Data Transfers
If you are located outside the United States, your information may be transferred to and processed in the United States or other countries where our service providers operate. We ensure that all such transfers are governed by appropriate safeguards, including Standard Contractual Clauses approved by the European Commission where applicable.
12. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by email or by posting a prominent notice in the Services. The updated Policy will be effective as of the date indicated at the top of this page.
13. Contact
If you have questions or concerns about this Privacy Policy or our data practices, please contact our Data Protection Officer:
Qupe, Inc. Attn: Privacy Team 350 Fifth Avenue, New York, NY 10118 Email: hello@qupe.com Phone: +1 (415) 555-0192
