1. General

At QUANTORA FINANCE LTD (“Quantora Finance”, “we”, “us”, or “our”), we value your privacy and are committed to maintaining the confidentiality and security of your personal information. This Privacy Policy (the “Policy”) is designed to provide you with clear and transparent information about how we collect, use, and protect your data in line with data protection laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA), the General Data Protection Regulation (GDPR), and other applicable laws and regulations.
We encourage you to read this Policy carefully to understand our practices and how they affect you, before you begin using our website https://quantora.finance/ (the “Website”) or our Services.
The terms used in this Policy shall have the same meaning as they are defined in our Terms and Conditions, unless otherwise expressly defined herein.
By accessing or using the Website or Services, you acknowledge that you have read, understood, and agree to this Policy and our Cookie Policy. If you have any questions or concerns about any aspect of our privacy practices, please do not hesitate to contact us using the following details:
QUANTORA FINANCE LTD
Address: 185-911 YATES STREET, SUITE #352, VICTORIA, BC V8V 4Y9, CANADA
E-mail: contact@quantora.finance

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2. Information We Process
2.1.
 For the purposes outlined in this Policy, we may collect data that mainly falls under the following categories:
a. ID-Related Data: name, surname, government-issued ID number, date of birth, nationality, ID document details, country of residence, and other similar data.
b. Contact Information: email address, phone number, residential address, and other similar information.
c. Customer Information: name of the Customer, account preferences, etc.
d. Customer Activity Information: for example, login and session data, usage patterns, activity logs, clickstream data, etc.
e. Financial Information: bank account information, source of funds, income level, transaction history, and other similar information.
f. Transaction Information: history and details of transactions made through our System, information about the recipient and sender, purpose of the transaction, current balance, portfolio details, and similar information.
g. Payment Information: bank account information, payment card details, billing address, payment confirmation, etc.
h. Information Related to Risk Assessment: for example, risk profile.
i. Technical and Device Information: IP address, browser type, device type, operating system, information related to interactions with our Website or System, cookies, technical problems, and other similar information.
j. Communication Preferences: for instance, Customer preferences for marketing communications.
k. Communication Data: for example, details of customer’s interactions with customer support, records of incoming and outgoing audio calls with Quantora Finance.
l. Feedback and Customer Data: for example, Customer feedback, usage patterns, preferences.
m. Legal and Regulatory Compliance Information: information and documents necessary for compliance with Anti-Money Laundering (AML), Know Your Customer (KYC), and other similar legal and regulatory requirements (including, without limitations, identity verification information, proof of address such as utility bills, bank statements, photographic evidence like ID scans or selfies for facial recognition purposes, sanctions and watchlist screening information, etc.).
n. Information Related to Claims and Disputes: for example, information about the nature and specifics of the claim or dispute, information about how it was resolved, etc.

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3. Sources of Information
3.1.
 At Quantora Finance, we may collect personal data from various sources to fulfill the purposes outlined in this Policy. These include:
a. Information Provided by You: for example, when you open an Account with us or use our Services; when you make Transactions using our System; when you communicate with us or provide feedback.
b. Automated Technologies: for example, some information is collected through automated technologies (such as cookies and log files) as you interact with our Website.
c. Third-Party Sources: in some cases, we may also receive information from third parties, such as payment processors or identity verification services, or collect publicly available data.

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4. Purpose and Legal Basis of Data Processing; Data Retention
4.1. General Information
The processing of your personal information by Quantora Finance is guided by clear and specific purposes, each rooted in a lawful basis as required by data protection laws.
We are committed to ensuring that your data is processed transparently, fairly, and only for the purposes for which it was collected.
In general, the legal bases for processing personal information are:
a) Performance of Contractual Obligations (Contractual Necessity)
b) Legal Obligations (e.g., tax or regulatory requirements)
c) Legitimate Interests
d) Consent (which you may withdraw at any time)
e) Vital Interests
f) Public Task
4.2. Specifics
Below is a summary table outlining the purposes, legal bases, and retention periods:

Purpose of Data Processing	Description	Legal Basis	Retention Period
Service Provision	To facilitate provision of our Services, including processing transactions, managing Customer Account, and ensuring security.	Contractual Necessity	Retained for the period necessary to fulfill contractual obligations or as required by law.
Legal and Regulatory Compliance	To comply with financial reporting, AML, and other legal requirements.	Legal Obligations; Public Task	5 years from transaction date (or longer if required by law).
Fraud Prevention	To detect and prevent fraud or unauthorized activities.	Legitimate Interests	During the Agreement and up to 3 years after termination.
Service Improvement and Troubleshooting	To improve and maintain Service performance.	Contractual Necessity; Legitimate Interests	For contract duration or as required by law.
Risk Management	To assess and mitigate operational or business risks.	Legitimate Interests	For contract duration and up to 3 years after termination.
Ensuring Security	To maintain physical, information, and cyber security.	Legitimate Interests; Legal Obligations	For contract duration and up to 3 years after termination.
Customer Support and Communication	To respond to inquiries and resolve issues.	Contractual Necessity; Legitimate Interests	For contract duration or as required by law.
Marketing	To send updates and offers about our products and services.	Consent; Legitimate Interests	Until opt-out or contract end.
Research and Development	To analyze and improve services and develop new features.	Legitimate Interests	For contract duration and up to 3 years after termination.
Resolution of Disputes and Legal Claims	To manage disputes and comply with legal processes.	Legal Obligation; Legitimate Interests	As required by law.

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4.3. Retention Obligation
After the relevant retention period, we securely delete or anonymize your data. For any questions, contact us at contact@quantora.finance.

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5. Your Consent
If we rely on your consent for certain processing (e.g., marketing communications), you may withdraw it at any time through opt-out mechanisms or by contacting us directly.

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6. Obligatory and Optional Data
Some data is mandatory for service provision (clearly marked during collection). Without it, we cannot offer our Services. Optional data can be provided at your discretion and updated anytime through your Account.

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7. Automated Decision-Making and Profiling
Quantora Finance may use automated tools (including machine learning) to improve Services.
We do not make legally binding decisions solely based on automated processing.
Automated tools may assist in:
Onboarding and eligibility checks;
Fraud detection and risk management;
Service optimization.
Where applicable, human review is always included.
We maintain safeguards such as bias testing, data minimization, access controls, and transparency documentation.

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8. Data Sharing
8.1. Purpose of Sharing
We share personal data only with trusted partners who assist in operating our business or providing Services, under strict confidentiality and data protection obligations.
8.2. Categories of Recipients
a. Payment and banking partners
b. Fraud prevention and risk management providers
c. IT, hosting, and support providers
d. Analytics providers
e. Marketing and engagement partners (no external marketing without consent)
f. Professional advisers, auditors, and insurers
g. In case of corporate transactions (mergers, acquisitions, etc.)
8.3. Disclosures Required by Law
We may disclose data to regulators, tax authorities, or law enforcement as required by applicable law.
8.4. Aggregated and De-Identified Data
We may share anonymized usage data for research or analytics; such data cannot identify you.

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9. Data Security
We maintain a comprehensive security framework to protect personal data from unauthorized access, alteration, or loss.
Key measures include:
Encryption (TLS, at rest & in transit)
Access controls and MFA
Network & infrastructure protection
Logging, monitoring, and incident response
Data minimization and secure deletion
Vendor risk management and audits
While we employ industry-standard measures, no system is 100% secure. If you suspect compromise, contact contact@quantora.finance immediately.

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10. Making Changes to Your Information
If you have an Account, you can access or update your personal data through your Account settings or by contacting us directly.

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11. Your Data Protection Rights
You have the following rights under applicable laws:
Access
Rectification
Erasure (“Right to Be Forgotten”)
Restriction of Processing
Objection
Data Portability
Withdrawal of Consent
To exercise your rights, email contact@quantora.finance. We may need to verify your identity. Requests are processed promptly and free of charge unless excessive.
You also have the right to lodge complaints with your data protection authority.

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12. International Transfers
Your data may be transferred outside your jurisdiction.
We ensure lawful transfers using mechanisms such as Standard Contractual Clauses and other legal safeguards.

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13. Dispute Resolution and Complaints
If you have concerns about how we process your data, contact us first at contact@quantora.finance.
If unresolved, you may lodge a complaint with:
Office of the Privacy Commissioner of Canada (https://www.priv.gc.ca/)
Your local EU/EEA supervisory authority (https://edpb.europa.eu/about-edpb/board/members_en)
UK Information Commissioner’s Office (https://ico.org.uk/)

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14. Children’s Privacy
Our Services are intended for persons aged 18 and above.
We do not knowingly collect data from minors.
If you believe a minor has provided data, contact us immediately.

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15. Updates to the Privacy Policy
We may update this Policy periodically.
The most recent version will always be available on our Website, and significant changes may be communicated via email.
Last Updated: 12 November 2025