This Privacy Policy explains how Raqmatech (“Raqmatech”, “we”, “us”, or “our”) collects, uses, shares, and protects personal data when you visit the Raqmatech website, contact us, or otherwise interact with us through this site (the “Site”).

By using the Site, you acknowledge the practices described in this Policy. If you do not agree with it, please do not use the Site.

1. Who we are

Raqmatech provides independent, industry-agnostic fintech infrastructure and AI agents for retail and central banks. For the purposes of applicable data-protection law, Raqmatech is the controller of the personal data processed through the Site.

2. Information we collect

We collect personal data in the following ways:

• Information you provide. When you complete a contact or enquiry form, request a meeting, or otherwise communicate with us, we collect details such as your name, email address, company, role, and the content of your message.
• Information collected automatically. When you browse the Site, we may collect technical data such as your IP address, device and browser type, pages viewed, and the dates and times of access, through cookies and similar technologies.
• Information from third parties. We may receive limited business-contact information from partners or publicly available professional sources where this is relevant to a potential engagement.

3. How we use your information

We use personal data to:

• respond to your enquiries and provide the information or services you request;
• arrange and conduct meetings, demonstrations, and evaluations;
• operate, maintain, secure, and improve the Site;
• communicate about our products, services, and relevant updates where permitted; and
• comply with legal, regulatory, and security obligations.

4. Legal bases for processing

Where applicable data-protection law requires a legal basis, we rely on one or more of the following: your consent; the performance of, or steps taken prior to entering into, a contract; our legitimate interests in operating and promoting our business (balanced against your rights); and compliance with a legal obligation.

5. Cookies and similar technologies

The Site may use cookies and similar technologies to enable core functionality, remember preferences, and understand how the Site is used. You can control or disable cookies through your browser settings; disabling certain cookies may affect how parts of the Site function.

6. How we share your information

We do not sell your personal data. We may share it with:

• service providers who process data on our behalf (for example, hosting, analytics, and communications) under appropriate confidentiality and security obligations;
• professional advisers, auditors, and authorities where required by law or to protect our legal rights; and
• a successor entity in connection with a merger, acquisition, or reorganization, subject to this Policy.

7. International transfers

Your personal data may be processed in countries other than the one in which you are located. Where data is transferred across borders, we take appropriate steps to ensure it receives an adequate level of protection in accordance with applicable law.

8. Data retention

We keep personal data only for as long as necessary to fulfil the purposes described in this Policy, including to meet legal, accounting, or reporting requirements. When data is no longer needed, we securely delete or anonymize it.

9. How we protect your information

We maintain technical and organizational measures designed to protect personal data against unauthorized access, loss, misuse, or alteration. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

10. Your rights

Subject to applicable law, you may have the right to access, correct, update, or delete your personal data; to object to or restrict certain processing; to withdraw consent; and to request portability of your data. To exercise these rights, please contact us using the details below.

11. Third-party links

The Site may contain links to third-party websites that we do not control. This Policy does not apply to those sites, and we are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party sites you visit.

12. Children’s privacy

The Site is intended for business and professional use and is not directed to children. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us so we can remove it.

13. Changes to this Policy

We may update this Policy from time to time. The “Last updated” date above indicates when the latest changes took effect. Your continued use of the Site after changes are posted constitutes acceptance of the revised Policy.

14. Contact us

If you have questions about this Privacy Policy or how we handle your personal data, please contact us.