Privacy Policy

Effective date: 31 August 2025

At Spondula, we respect your privacy. This policy explains what data we collect, how we use it, and the rights you have.

Summary

We process personal data to provide global payment services, prevent fraud, meet legal obligations, and improve our products. We do not sell personal data.

1. Who we are

Spondula ("we", "us") provides international payment and wallet services. If you have questions, contact us at privacy@spondula.com.

2. Data we collect

Identity data: name, date of birth, nationality, KYC documents.
Contact data: email, phone, addresses.
Financial data: bank details, payment methods, transaction history.
Technical data: device, IP, browser, cookies, analytics.
Usage data: features used, interactions, support tickets.

3. How we use your data

Provide and maintain our wallet and payment services.
Verify identity and meet AML/CTF obligations.
Detect and prevent fraud and abuse.
Process transactions and customer support requests.
Communicate updates, security alerts, and marketing (where permitted).
Improve and personalise our services.

4. Legal bases

We rely on performance of a contract, legitimate interests, consent (where applicable), and compliance with legal obligations under UK GDPR/EU GDPR and other regulations.

5. Sharing your data

We may share data with payment partners, KYC/AML providers, cloud/IT vendors, and regulators as required. We require recipients to protect your data and only process it for specified purposes.

6. International transfers

Where data is transferred internationally, we use appropriate safeguards such as Standard Contractual Clauses or adequacy decisions.

7. Retention

We keep data only as long as necessary, including to meet legal and regulatory requirements (e.g., AML record-keeping).

8. Your rights

You may have rights to access, correct, delete, restrict or object to processing, and data portability. You can also withdraw consent where processing is based on consent.

9. Cookies

We use cookies to operate the site and for analytics. You can control cookies via your browser settings. See our Cookie Notice for details.

10. Security

We use organisational and technical measures appropriate to the risk, including encryption, access controls, monitoring, and regular reviews.

11. Children

Our services are not directed to children under 16 and we do not knowingly collect their data.

12. Changes to this policy

We may update this policy from time to time. We will post the updated version here and update the effective date.

13. Contact

Email: privacy@spondula.com