Privacy Policy

1. INTRODUCTION

We are QDEX AI LTD, which operates the website https://qdexai.com (“we,” “us,” or “our”).

QDEX AI is committed to protecting and respecting your privacy and Personal Data in compliance with the United Kingdom General Data Protection Regulation (GDPR), the Data Protection Act 2018, and all other mandatory laws and regulations of the United Kingdom.

This Privacy Policy explains how we collect, process, and keep your data safe. It will inform you about your privacy rights, how the law protects you, and outline the obligations of our employees and staff when processing data.

This Privacy Policy applies to all our employees and staff members, and we process all Personal Data at any time.

If you have any concerns about how we handle your data, contact us at dpo@qdexai.com or by post at 6-12 Tabard Street, Tabard Works—First Floor, London, SE1 4JU, United Kingdom.
If your concerns are unresolved, you have the right to complain to the ICO, the UK’s supervisory authority.

2. LEGAL BASIS FOR DATA COLLECTION

We collect and process Personal Data as outlined below. Personal Data means any information relating to an identifiable individual.

We may collect various types of Personal Data from you, such as Profile, Contact, Financial, Technical, Customer Support, and Usage Data.

We also process Aggregated Data (e.g. mortgage acceptance rates) for analysis and research. Aggregated Data, which does not directly identify individuals, is not considered Personal Data under the law. However, if aggregated data is linked to Personal Data, we will treat it as Personal Data.

We rely on the following legal bases to collect and process Personal Data:

– Consent: Where you have provided consent for specific uses of your data, e.g., signing up for marketing communications.
– Contractual Obligations: Data required to fulfil contractual services.
– Legal Compliance: Data required for legal purposes, such as preventing fraud.
– Legitimate Interest: Data collected as part of normal business operations, with minimal impact on your rights and freedoms. This includes compliance with industry-specific obligations such as mortgage affordability checks and KYC.

3. DATA USAGE AND MARKETING

Your Personal Data is used only when necessary and in line with the legal bases discussed above.

We will send you marketing communications only if you have explicitly opted in. You may opt out of marketing anytime by contacting us at marketing@qdexai.com.

4. YOUR RIGHTS

Under GDPR, you have the following rights concerning your data:

– Right to be informed
– Right of access
– Right to rectification
– Right to erasure
– Right to object to processing
– Right to restrict processing
– Right to data portability

You can exercise these rights by contacting us at dpo@qdexai.com.

5. DATA SHARING WITH THIRD PARTIES

We may share your data with subcontractors, affiliates, and other service providers, but only for the purposes outlined in this policy. All third parties are subject to confidentiality obligations and must follow our instructions regarding using your Personal Data.

In certain circumstances, such as a change in business ownership or legal requirement, we may transfer Personal Data to another party. In such cases, your data will remain protected under this policy or the acquiring company’s policy if appropriate safeguards are in place.

Users may share Personal Data with third parties, such as financial institutions or regulators, as part of their KYC and due diligence processes. Qdex Ai Ltd does not assume any responsibility for these data transfers; the User remains the party responsible for ensuring these transfers comply with applicable laws and regulations.

6. DATA RETENTION

We will retain your Personal Data only for as long as necessary to fulfil the purposes for which we collected it, including regulatory obligations specific to Users, such as audit requirements. We will review our retention periods regularly to ensure compliance with all legal obligations.

7. SECURITY MEASURES

We implement industry-standard security measures to protect your data, including encryption and secure access controls. While we take all reasonable steps to ensure the security of your data, transmission over the internet cannot be guaranteed to be completely secure. If you suspect a breach of your data, please contact us immediately.

8. INTERNATIONAL DATA TRANSFERS

Your Personal Data may be transferred outside the UK, including to countries not covered by an adequacy decision. In such cases, we will ensure appropriate safeguards are in place, such as Standard Contractual Clauses, to protect your data during the transfer.

9. CHANGES TO THE PRIVACY POLICY

We will notify you of any significant changes to this Privacy Policy. By continuing to use our services, you consent to the terms of this updated Privacy Policy.

This Privacy Policy should be read in conjunction with our Terms of Use and Data Processing Agreement (DPA). By using Qdex Ai Ltd’s services, you agree to be bound by the terms outlined in the Terms of Use, which govern your access and usage of our platform. Additionally, the Data Processing Agreement (DPA) outlines specific responsibilities and obligations regarding processing Personal Data, ensuring compliance with applicable data protection laws. In the event of any conflict between this Privacy Policy, the Terms of Use, and the DPA, the provisions of the DPA shall prevail concerning the processing of Personal Data.