Privacy Policy

Acceptance of Privacy Policy

By accessing and using our Services, you signify acceptance to the terms of this Privacy Policy. Where we require your consent to process your personal information, we will ask for your consent to the collection, use, and disclosure of your personal information as described further below.

Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time. We encourage you to review this policy periodically to stay informed about how we protect your information.

Personal Information We Collect

Personal information is data that can be used to identify you directly or indirectly, or to contact you. We collect the following types of information:

• Personal Identification: Full name, date of birth, age, nationality, gender, signature, photographs, phone number, home address, and email
• Formal Identification: Passport number, driver's license details, national identity card details, photograph identification cards, and visa information
• Financial Information: Bank account information, payment card primary account number (PAN), transaction history, trading data, and tax identification
• Transaction Information: Details about transactions you make on our Services, including recipient name, amount, and timestamp
• Employment Information: Office location, job title, and description of role
• Online Identifiers: Geo location/tracking details, browser fingerprint, OS, browser name and version, and personal IP addresses
• Usage Data: Survey responses, support team interactions, authentication data, security questions, user ID, and click-stream data

How We Use Your Personal Information

Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We use this information to:

• Verify your identity in accordance with KYC, AML, and sanctions screening requirements
• Enforce our terms and user agreements
• Manage and maintain your account with us
• Prevent fraudulent or unauthorized use of our products and services
• Improve our products and services, and develop new offerings
• Notify you about benefits and changes to features
• Provide personalized advertising and marketing
• Respond to your enquiries and resolve disputes

Information Security

We maintain appropriate physical, technical, and administrative safeguards to protect the security and confidentiality of your personal information. We use:

• Computer safeguards such as firewalls and data encryption
• Physical access controls to our buildings and files
• Authorized access to personal information only for employees who require it

How We Share Your Data

We share personal data with trusted partners and entities to provide our services effectively:

• Any person that works for us or for one of our group companies
• Financial and other institutions we partner with to provide products and services
• Companies that provide technical infrastructure, marketing, analytics, and development services
• Identity verification and background screening partners
• Our professional advisers and consultants

We will otherwise treat your personal data as private and confidential and will not share it except where you have given permission or where required by law.

Your Rights

You are entitled to review, correct, or amend your personal information, or to delete that information where it is inaccurate. You may do this at any time by contacting support.

If you close your Pera Account, we will mark your account as "Closed" but will keep your account information for the necessary period to prevent fraud and comply with legal requirements.

Data Retention

We store your personal information securely throughout the life of your Pera Account. Retention periods vary by jurisdiction and data type:

• Contact information for marketing is retained until you unsubscribe
• Content you post may be kept indefinitely for audit and crime prevention
• Telephone call recordings may be kept for up to six years
• Analytics data is kept for up to one year from cookie expiry

Children's Privacy

We do not knowingly collect personal information from anyone under the age of 18. If a user is suspected of being younger than 18, Pera will require the user to close their account and will take steps to delete the information as soon as possible.

Please notify us if you know of any individuals under 18 using our Services.

International Data Transfers

The personal data we collect may be transferred to, stored, and processed outside of your jurisdiction. By accepting this Privacy Policy and submitting your personal data, you agree to such transfer, storage, and processing.

We ensure appropriate safeguards are in place to protect your data regardless of where it is processed.