# Privacy Policy ### **1. Introduction** This Privacy Policy (the “Policy”) describes how Quantix Finance and its affiliates (“Quantix,” “we,” “us,” or “our”) collect, use, process, store, and disclose personal data in connection with your access to and use of the Quantix Finance website, application, and associated interfaces (collectively, the “Interface”). Quantix is committed to maintaining the confidentiality, integrity, and security of personal data and to processing such data in accordance with applicable data protection laws, including, where applicable, the General Data Protection Regulation (“GDPR”) and other relevant frameworks. By accessing or using the Interface, you acknowledge that you have read and understood this Policy. ### **2. Scope of Application** This Policy applies to personal data collected in connection with: * Use of the Interface; * Participation in Quantix services, including lending, borrowing, or institutional onboarding; * Completion of Know Your Customer (KYC) or compliance procedures; * Communications with Quantix through any channel. This Policy does not apply to: * Data recorded directly on public blockchains (which is inherently public and immutable); * Third-party services, including wallets, exchanges, or external platforms not controlled by Quantix. ### **3. Categories of Data Collected** Quantix may collect and process the following categories of data: #### **3.1 Personal Identification Data** Where required (e.g., for KYC or institutional onboarding), we may collect: * Full name * Date of birth * Nationality * Government-issued identification details * Residential or business address #### **3.2 Corporate and Institutional Data** For entity-level participants: * Company name and registration details * Jurisdiction of incorporation * Ownership structure and beneficial ownership (UBOs) * Directors, officers, and authorized signatories #### **3.3 Financial and Transaction Data** * Wallet addresses * Transaction history (where associated with the Interface) * Capital allocation and usage data * Payment and settlement records (where applicable) #### **3.4 Technical and Usage Data** * IP address * Device identifiers * Browser type and version * Access logs and timestamps * Interaction data with the Interface #### **3.5 Communication Data** * Correspondence with Quantix via email, messaging platforms, or support channels * Requests, inquiries, and feedback #### **3.6 Compliance and Risk Data** * KYC / AML verification data * Risk scoring and assessment outputs * Screening results against sanctions or watchlists ### **4. Legal Basis for Processing** Quantix processes personal data on the following legal bases, as applicable: #### **4.1 Contractual Necessity** Processing required to provide access to the Interface or services, including onboarding and transaction facilitation. #### **4.2 Legal and Regulatory Obligations** Processing necessary to comply with applicable laws, including: * AML / CTF regulations * Sanctions screening requirements * Reporting obligations #### **4.3 Legitimate Interests** Processing necessary for the legitimate interests of Quantix, including: * Maintaining platform security * Preventing fraud and abuse * Improving the Interface and services * Managing risk and operational integrity #### **4.4 Consent** Where required by law, processing based on your explicit consent, including certain communications or optional data collection. You may withdraw consent at any time, subject to legal or contractual limitations. ### **5. Purpose of Data Processing** Quantix processes personal data for the following purposes: #### **5.1 Platform Access and Operation** * Enabling access to the Interface * Facilitating interaction with the Protocol * Managing user sessions and technical functionality #### **5.2 Identity Verification and Compliance** * Conducting KYC / AML checks * Verifying identity and eligibility * Assessing risk and onboarding participants #### **5.3 Transaction Monitoring and Risk Management** * Monitoring activity for suspicious behavior * Detecting fraud, abuse, or policy violations * Managing exposure within lending and credit systems #### **5.4 Communication and Support** * Responding to inquiries and requests * Providing updates or notifications * Delivering operational or compliance-related communications #### **5.5 Platform Improvement** * Analyzing usage patterns * Enhancing performance and security * Developing new features and services ### **6. Data Minimization and Retention** Quantix applies data minimization principles, collecting only the data necessary for defined purposes. Personal data is retained only for as long as required to: * Fulfill the purposes outlined in this Policy * Comply with legal and regulatory obligations * Resolve disputes or enforce agreements Retention periods may vary depending on: * Nature of the data * Applicable legal requirements * Risk and compliance considerations ### **7. Blockchain Data Disclaimer** You acknowledge that: * Blockchain transactions are public and immutable; * Wallet addresses and transaction data may be visible to third parties; * Quantix does not control or erase data recorded on public blockchains. This data may be permanently accessible and is not subject to deletion or modification. ### **8. Data Sharing and Disclosure** Quantix does not sell personal data. However, personal data may be disclosed in the following circumstances where necessary and proportionate: *** #### **8.1 Service Providers and Infrastructure Partners** Quantix may engage third-party service providers to support its operations, including: * Identity verification and KYC providers * Cloud hosting and data storage providers * Security and monitoring services * Analytics and infrastructure tools Such providers are contractually obligated to: * Process data solely on behalf of Quantix * Maintain appropriate confidentiality and security measures * Comply with applicable data protection laws #### **8.2 Regulatory and Legal Authorities** Quantix may disclose personal data where required to: * Comply with applicable laws, regulations, or legal processes; * Respond to lawful requests from government or regulatory authorities; * Enforce its rights, Terms of Use, or other agreements; * Prevent or investigate fraud, money laundering, or other unlawful activity. #### **8.3 Business Transfers** In the event of a merger, acquisition, restructuring, or sale of assets, personal data may be transferred to the relevant successor entity, subject to appropriate safeguards. #### **8.4 Risk and Compliance Frameworks** Personal data may be shared internally or with third-party compliance partners for: * Sanctions screening * Risk assessment * Fraud detection and prevention This is necessary to maintain the integrity of the Quantix ecosystem. ### **9. Cross-Border Data Transfers** Given the global nature of Quantix operations, personal data may be transferred to and processed in jurisdictions outside your country of residence. Where such transfers occur, Quantix implements appropriate safeguards, including: * Standard contractual clauses or equivalent legal mechanisms * Data processing agreements with service providers * Technical and organizational security controls You acknowledge and consent to such cross-border transfers as necessary for the provision of services. ### **10. Data Security** Quantix implements appropriate technical and organizational measures designed to protect personal data against unauthorized access, loss, misuse, or alteration. These measures include: * Encryption of data in transit and at rest (where applicable) * Access controls and authentication mechanisms * Monitoring and logging of system activity * Internal security policies and procedures Despite these measures, no system can be guaranteed to be completely secure. You acknowledge that you provide personal data at your own risk. ### **11. User Rights** Subject to applicable law, you may have certain rights in relation to your personal data, including: #### **11.1 Right of Access** The right to request access to personal data held by Quantix. #### **11.2 Right to Rectification** The right to request correction of inaccurate or incomplete data. #### **11.3 Right to Erasure** The right to request deletion of personal data, subject to legal and operational constraints. #### **11.4 Right to Restriction** The right to request limitation of processing under certain conditions. #### **11.5 Right to Data Portability** The right to receive personal data in a structured, commonly used format. #### **11.6 Right to Object** The right to object to processing based on legitimate interests. #### **11.7 Right to Withdraw Consent** Where processing is based on consent, the right to withdraw such consent at any time. #### **Limitations** These rights are subject to limitations, including where data must be retained for: * Legal compliance * Fraud prevention * Dispute resolution * Enforcement of contractual obligations Requests may be submitted through official Quantix communication channels. ### **12. Cookies and Tracking Technologies** Quantix may use cookies and similar technologies to: * Enable core functionality of the Interface * Improve performance and user experience * Analyze usage patterns Cookies may include: * Session cookies (temporary) * Persistent cookies (stored on device) * Analytical or performance cookies Users may manage or disable cookies through browser settings, though this may impact functionality of the Interface. ### **13. Data Retention Policy** Quantix retains personal data only for as long as necessary to fulfill the purposes described in this Policy, including: * Compliance with legal and regulatory obligations * Risk management and fraud prevention * Operational and contractual requirements Retention periods are determined based on: * Nature and sensitivity of data * Legal obligations * Operational necessity Upon expiration of retention periods, data is securely deleted or anonymized where feasible. ### **14. Third-Party Links and Services** The Interface may contain links to third-party websites or services. Quantix does not control and is not responsible for: * The privacy practices of such third parties * The content or functionality of external platforms Users are encouraged to review the privacy policies of any third-party services independently. ### **15. Children’s Data** The Interface is not intended for use by individuals under the age of 18 (or the applicable age of majority). Quantix does not knowingly collect personal data from minors. If such data is identified, it will be deleted in accordance with applicable law. ### **16. Changes to this Privacy Policy** Quantix reserves the right to update or modify this Policy at any time. Updated versions will be published through official channels and will take effect immediately upon publication unless otherwise specified. Continued use of the Interface constitutes acceptance of the updated Policy. ### **17. Limitation of Liability (Privacy Context)** To the fullest extent permitted by law, Quantix shall not be liable for any damages arising from: * Unauthorized access to or disclosure of personal data * Security breaches beyond Quantix’s reasonable control * Actions of third-party service providers * User negligence or failure to safeguard personal information ### **18. Contact and Data Requests** Requests relating to this Privacy Policy or personal data may be submitted through official Quantix communication channels. Quantix will respond to such requests in accordance with applicable data protection laws.