Privacy Policy

Effective Date: 2 April 2025

Welcome to QloudInvest, a product of QloudSoft ("Company", "we", "us", or "our"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, store, and protect your data when you use our website, mobile applications, services, and platforms (collectively, the "Services").

By accessing or using our Services, you agree to this Privacy Policy. If you do not agree, please do not use our Services.

1. Information We Collect

a. Personal Information

• Name
• Email address
• Phone number
• Date of birth
• Residential address
• Bank account details (via secure third-party integration)
• Government-issued identification (for KYC/AML compliance)
• Investment preferences and financial profile

b. Technical & Usage Data

• IP address
• Device type and operating system
• Browser type
• Pages visited
• Time spent on pages
• Crash reports and diagnostics

c. Third-Party Data

• Information shared by our partners (e.g. CacheInvest, Yodlee)
• Data from linked bank accounts and financial institutions (as permitted)

2. How We Use Your Information

• Provide and personalise our Services
• Facilitate account creation, onboarding, and authentication
• Process investment transactions
• Integrate and connect to financial institutions
• Communicate with you (e.g., support, product updates, marketing)
• Comply with regulatory obligations (e.g. KYC, AML)
• Improve the functionality, performance, and security of our Services

3. Legal Basis for Processing

• Consent (e.g., for marketing emails)
• Contractual necessity (e.g., to provide you the service)
• Legal obligation (e.g., anti-money laundering laws)
• Legitimate interests (e.g., analytics, fraud prevention)

4. Sharing Your Information

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

• Service providers and subcontractors (e.g. payment processors, KYC services, cloud infrastructure)
• Integration partners (e.g. CacheInvest, Yodlee) for core functionality
• Regulatory authorities if legally required
• Business partners or affiliates (in anonymised, aggregated formats)

All third parties are contractually required to maintain the confidentiality and security of your information.

5. Data Retention

We retain your personal information:

• As long as your account is active
• As required by law and financial regulations
• As needed to resolve disputes, enforce our agreements, and support audits

When no longer required, your data will be securely deleted or anonymised.

6. Your Rights

Depending on your location, you may have rights under privacy laws including:

• Access – Request a copy of your personal data
• Correction – Request correction of inaccurate data
• Erasure – Request deletion of your personal data
• Restriction – Request limitation of processing
• Data Portability – Receive a copy of your data in a machine-readable format
• Objection – Object to certain processing activities
• Withdraw Consent – Withdraw previously granted consent

You may exercise your rights by contacting us at support@qloudinvest.com.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Recognise repeat visits
• Improve site performance
• Track anonymised usage statistics
• Support authentication and security

You can manage cookie preferences via your browser settings or opt out where applicable.

8. International Data Transfers

If you are located outside of Australia, your data may be transferred to and processed in countries where data protection laws may differ. We take appropriate steps to ensure your data remains protected under applicable legal frameworks (e.g., Standard Contractual Clauses for EU transfers).

9. Data Security

We implement industry-standard security measures including:

• End-to-end encryption of sensitive data
• TLS/SSL for data transmission
• Strict access controls and role-based permissions
• Regular vulnerability testing and monitoring

However, no system is 100% secure. You use the Services at your own risk.

10. Children’s Privacy

QloudInvest is not intended for use by individuals under the age of 18. We do not knowingly collect personal data from minors. If we learn that we have collected such data, we will delete it promptly.

11. Limitation of Liability

To the maximum extent permitted by law:

• We shall not be liable for any indirect, incidental, or consequential damages arising from unauthorised access, data loss, or misuse of your information.
• You use our Services at your own risk and acknowledge that no security measures can guarantee absolute protection.

12. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with a new effective date. If the changes are significant, we will notify you via email or prominent notice on the website.

13. Contact Us

For any questions, concerns, or requests related to this Privacy Policy, please contact:

QloudSoft
Email: support@qloudsoft.com