Privacy Policy

Staqq Fintech ("Staqq", "we", "our", or "us") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the Staqq mobile application and website.

1. Information We Collect

We collect the following categories of personal information:

• Identity data: Full name, date of birth, national ID or passport number for KYC verification.
• Contact data: Mobile phone number, email address.
• Transaction data: Details of digital change received, amounts, merchant names, timestamps.
• Device data: Device type, operating system, unique device identifiers, IP address.
• Usage data: How you interact with the app, features used, session duration.

2. How We Use Your Information

We use your personal information to:

• Create and manage your Staqq wallet account.
• Process and record digital change transactions.
• Verify your identity in compliance with applicable financial regulations (KYC/AML).
• Send transaction notifications, security alerts, and service updates.
• Improve and personalise your experience on the platform.
• Detect and prevent fraud, abuse, or unauthorised access.
• Comply with legal and regulatory obligations.

3. Sharing Your Information

We do not sell your personal data. We may share your information with:

• Merchant partners: Only anonymised, aggregated transaction data — never your personal details.
• Service providers: Third-party vendors who help us operate the platform (cloud hosting, payment processing, identity verification), bound by strict data processing agreements.
• Regulatory authorities: Where required by law, court order, or regulatory directive.

4. Data Retention

We retain your personal data for as long as your account is active and as required by applicable financial regulations, typically a minimum of five (5) years following account closure. After this period, data is securely deleted or anonymised.

5. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate data.
• Request deletion of your data (subject to legal retention requirements).
• Withdraw consent where processing is based on consent.
• Lodge a complaint with your local data protection authority.

To exercise your rights, please visit our account deletion request page or contact us at care@staqq.co.uk.

6. Security

We implement industry-standard security measures including AES encryption at rest, TLS in transit, biometric authentication, and continuous monitoring for suspicious activity to protect your personal data.

7. Cookies

Our website uses cookies to maintain session state and analyse usage patterns. You can control cookie preferences through your browser settings. Disabling cookies may affect some website functionality.

8. Children's Privacy

Staqq is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal data, please contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via the app or email. Continued use of Staqq after changes are posted constitutes your acceptance of the revised policy.

10. Contact Us

For questions about this Privacy Policy or your personal data, contact our Data Protection Officer at care@staqq.co.uk.