Privacy Policy

Nuvia Networks Limited (“Nuvia”, “we”, “us”, or “our”) is committed to protecting your privacy and handling your personal information responsibly, transparently, and securely.

This Privacy Policy explains how we collect, use, store, disclose, and otherwise process personal information when you access or use the Nuvia platform, website, applications, products, and services (collectively, the “Platform”). It also explains the choices and rights available to you regarding your personal information.

This Privacy Policy applies to individuals and businesses that interact with Nuvia, including users, prospective users, business representatives, website visitors, and any other person whose personal information we process in connection with the Platform.

By accessing or using the Platform, or otherwise providing your personal information to Nuvia, you acknowledge that your information will be processed in accordance with this Privacy Policy and applicable laws.

This Privacy Policy applies to the personal information that Nuvia collects and processes in connection with your access to or use of the Platform, including when you create an account, use our products or services, communicate with us, visit our website, participate in promotions or events, or otherwise interact with Nuvia.

This Privacy Policy applies to personal information relating to individual users, business merchants, authorized representatives, prospective customers, website visitors, and other individuals whose personal information is processed by Nuvia in the course of providing the Platform.

This Privacy Policy does not apply to third-party websites, applications, products, or services that may be accessible through links or integrations available on the Platform. Such third-party services operate under their own privacy policies and terms, and Nuvia is not responsible for their privacy practices or content. We encourage you to review the applicable privacy policies before providing your personal information to any third party.

The personal information we collect depends on how you interact with the Platform, the products and services you use, and the information you choose to provide. We may collect personal information from you directly, automatically through your use of the Platform, and from trusted third parties where permitted by applicable law.

Nuvia uses your personal information only where it is necessary to provide the Platform, comply with applicable legal and regulatory requirements, protect the security and integrity of our services, and support our legitimate business operations.

Depending on how you use the Platform, we may use your personal information to:

• create, verify, maintain, and manage your account;
• provide access to the Platform and deliver our products and services;
• verify your identity and perform customer due diligence and other compliance checks;
• process invoices, payments, settlements, and other transactions;
• communicate with you about your account, transactions, service updates, security alerts, and customer support requests;
• detect, investigate, prevent, and respond to fraud, unauthorized activities, financial crime, security incidents, and other unlawful or prohibited conduct;
• monitor, analyse, and improve the performance, functionality, reliability, and security of the Platform;
• personalise your experience and develop new products, services, and features;
• comply with applicable laws, regulations, court orders, regulatory requests, and other legal obligations;
• establish, exercise, or defend legal claims and enforce our rights under applicable agreements; and
• carry out any other purpose for which your information was collected or where otherwise permitted or required by applicable law.

Where required by applicable law, Nuvia will obtain your consent before processing your personal information for purposes that require it. Where you have provided your consent, you may withdraw it at any time, subject to legal or contractual restrictions.

Nuvia does not sell your personal information. We may share your personal information only where it is necessary to provide the Platform, comply with applicable legal or regulatory requirements, protect our legitimate interests, or where you have otherwise authorized us to do so.

Depending on the services you use, we may share your personal information with:

• financial institutions, payment processors, and other payment infrastructure partners to facilitate transactions and related services;
• identity verification, fraud prevention, compliance screening, and risk management service providers;
• cloud hosting providers, technology vendors, customer support providers, analytics providers, and other service providers that support the operation of the Platform;
• professional advisers, including legal, accounting, audit, insurance, and other professional service providers;
• competent regulatory authorities, law enforcement agencies, courts, or other governmental bodies where disclosure is required or permitted by applicable law or legal process;
• prospective purchasers, investors, successors, or other parties involved in a merger, acquisition, corporate restructuring, financing, or sale of all or part of Nuvia's business or assets; and
• other third parties where you have provided your consent or requested that we share your information.

Where we engage third-party service providers to process personal information on our behalf, we take reasonable steps to ensure that they are subject to appropriate confidentiality, security, and data protection obligations consistent with applicable legal and regulatory requirements.

Your personal information may be processed, stored, or transferred to countries or jurisdictions other than the one in which it was originally collected. These transfers may occur where Nuvia, its affiliates, financial partners, service providers, or technology providers operate or maintain facilities.

Where personal information is transferred across borders, Nuvia will take reasonable steps to ensure that such transfers are carried out in accordance with applicable legal and regulatory requirements and that appropriate safeguards are implemented to protect your personal information.

By using the Platform or providing your personal information to Nuvia, you acknowledge that your information may be transferred, processed, and stored in other jurisdictions where necessary for the provision of our services, compliance with legal obligations, or the operation of our business.

Nuvia retains personal information only for as long as it is reasonably necessary to fulfil the purposes for which it was collected, including providing the Platform, managing your account, complying with applicable legal and regulatory requirements, resolving disputes, enforcing our legal rights, preventing fraud, and meeting our legitimate business and operational needs.

The length of time we retain personal information depends on the nature of the information, the services provided, applicable legal or regulatory obligations, the existence of ongoing disputes or investigations, and other relevant business or compliance considerations.

Where personal information is no longer required, Nuvia will take reasonable steps to securely delete, anonymize, or otherwise dispose of the information in accordance with applicable legal, regulatory, and operational requirements.

Depending on the laws applicable to you and your use of the Platform, you may have certain rights in relation to your personal information. These rights may include the right to:

• request access to the personal information we hold about you;
• request that inaccurate or incomplete personal information be corrected or updated;
• request the deletion of your personal information where applicable;
• object to or request the restriction of certain processing activities;
• withdraw your consent where we rely on your consent to process your personal information; and
• lodge a complaint with a competent supervisory or regulatory authority where you believe your privacy rights have been infringed.

Nuvia may request additional information to verify your identity before responding to any privacy rights request. We may also decline or limit a request where permitted or required by applicable law, including where the request would adversely affect the rights of others or interfere with our legal, regulatory, security, or operational obligations.

To exercise your privacy rights, you may contact Nuvia using the contact details provided at the end of this Privacy Policy. We will respond to your request within the timeframe required by applicable law.

Nuvia implements reasonable administrative, technical, and organizational measures designed to protect personal information against unauthorized access, loss, misuse, alteration, disclosure, or destruction.

While we continuously work to safeguard the security of the Platform and the personal information we process, no method of transmitting information over the internet or storing information electronically is completely secure. Accordingly, Nuvia cannot guarantee the absolute security of your personal information.

You also play an important role in protecting your information. You are responsible for maintaining the confidentiality of your account credentials, using secure devices and networks, and notifying Nuvia promptly if you suspect any unauthorized access to or misuse of your account.

Where required by applicable law, Nuvia will take appropriate steps to investigate and respond to personal data breaches and, where necessary, notify affected individuals and relevant regulatory authorities in accordance with applicable legal and regulatory requirements.

The Platform is not intended for use by individuals who are not legally permitted to enter into a binding agreement under applicable law. Nuvia does not knowingly collect personal information directly from children where such collection is prohibited by applicable law.

If we become aware that we have collected personal information from a child in circumstances where parental or legal guardian consent was required but not obtained, we will take reasonable steps to delete or otherwise handle such information in accordance with applicable legal and regulatory requirements.

If you believe that a child has provided personal information to Nuvia inappropriately, please contact us using the details provided at the end of this Privacy Policy so that we can investigate and take appropriate action.

Nuvia may update this Privacy Policy from time to time to reflect changes in our products, services, business operations, technologies, legal or regulatory requirements, or privacy practices.

Where we make material changes to this Privacy Policy, we will take reasonable steps to notify you through the Platform or by other appropriate communication channels, where required by applicable law.

The “Last Updated” date at the beginning of this Privacy Policy indicates when this Privacy Policy was most recently revised. Your continued use of the Platform after any changes become effective constitutes your acceptance of the updated Privacy Policy, to the extent permitted by applicable law.

If you have any questions about this Privacy Policy, wish to exercise your privacy rights, or would like to contact Nuvia regarding the processing of your personal information, you may contact us using the details below:

We will make reasonable efforts to respond to your enquiry or request within the timeframe required by applicable law.