Qistiq Advance Privacy Policy

1. Information We Collect

• •Full Name
• •Date of Birth
• •National ID Number
• •Passport Number
• •Government Identification Documents
• •Selfie Verification Images
• •Residential Address
• •Email Address
• •Phone Number
• •Income Information
• •Employment Information
• •Bank Account Information
• •Payment History
• •Device Type
• •IP Address
• •Geolocation Information
• •App Activity
• •Transaction Activity

2. How We Use Your Information

We use your information to:

• •Verify your identity
• •Perform KYC verification
• •Prevent fraud
• •Evaluate advance requests
• •Process repayments
• •Improve our services
• •Provide customer support
• •Send notifications
• •Comply with legal obligations
• •Protect users and the platform

3. AI and Automated Decision Support

Qistiq may use artificial intelligence and automated systems to assist with:

• •Risk scoring
• •Fraud detection
• •KYC review assistance
• •Customer support
• •Budget recommendations
• •Limit recommendations

Automated systems are designed to support decision-making and may be reviewed by authorized personnel.

4. Information Sharing

We do not sell your personal information. We may share information with service providers, financial partners, legal and regulatory authorities, and fraud prevention partners.

5. Data Retention

We retain information for as long as necessary to:

• •Provide services
• •Meet legal obligations
• •Resolve disputes
• •Prevent fraud
• •Enforce agreements

Certain records may be retained after account closure where legally required.

6. Data Security

We use commercially reasonable safeguards including:

• •Encryption
• •Access controls
• •Audit logging
• •Secure authentication
• •Device monitoring
• •Security reviews

However, no system is completely secure.

7. User Rights

Subject to applicable law, users may request:

• •Access to personal information
• •Correction of inaccurate information
• •Deletion of eligible information
• •Data portability where applicable
• •Withdrawal of certain consents

Requests may be subject to legal and regulatory limitations.

8. Account Deletion

Users may request account deletion. Qistiq may retain information required for regulatory compliance, fraud prevention, accounting obligations, legal obligations, collection activities, and contract enforcement.

Deletion requests do not eliminate repayment obligations.

9. Cookies and Tracking Technologies

Qistiq may use cookies, device identifiers, analytics tools, and performance monitoring tools.

These technologies help improve functionality, security, and user experience.

10. International Data Processing

Information may be processed and stored in countries where Qistiq or its service providers operate. By using the service, you consent to such processing and storage.

11. Children's Privacy

Qistiq services are not intended for individuals under 18 years of age. We do not knowingly collect information from children.

12. Fraud Prevention

To protect users and the platform, we may monitor account activity, analyze device behavior, review identity records, and restrict accounts when fraud is suspected.

13. Communications

By using Qistiq, you consent to receiving emails, SMS messages, push notifications, and in-app notifications related to advance status, repayment reminders, security alerts, and service announcements.

14. Changes to This Privacy Policy

Qistiq may update this Privacy Policy from time to time. Material changes will be communicated through appropriate channels. Continued use of the service after updates become effective constitutes acceptance of the revised Privacy Policy.

15. Contact Us

If you have questions regarding this Privacy Policy, please contact: Qistiq Advance Email: support@qistiq.com Website: www.qistiq.com