Privacy Policy
Last updated: April 14, 2025

This Privacy Policy (hereinafter referred to as the “Policy”) governs the collection, use, storage, disclosure and protection of personal data of individuals whose data is processed when using the website and services of VALUT.NET (hereinafter referred to as the “Company”, “we”, “us”, “Service”).

1. General Provisions
1.1 This Policy applies to all Users, regardless of their location, when using the VALUT.NET Services, including the website, mobile applications, APIs, referral programs and other platforms administered by the Company.
1.2 By using the Service, you confirm that you have read this Policy, understand its contents and consent to the processing of your personal data in accordance with its provisions.
1.3 In case of disagreement with the terms of the Policy you are obliged to stop using the Service.

2. Contact Information
Website: https://valut.net
Contact e-mail: info@valut.net
You may send inquiries, appeals or complaints related to the processing of personal data to the e-mail address provided.

3. Processed data
3.1 Data provided by the User:
Surname, first name, patronymic;
Date of birth, citizenship;
Address of residence and registration;
Telephone number, e-mail address;
Passport data or data of other identity documents;
Taxpayer Identification Number (TIN), if applicable;
Company representative details (if you are acting on behalf of a legal entity);
Financial information: account details, bank and payment details (in anonymized form);
Documents and other data provided as part of verification or KYC/AML procedures;
Other information provided in the form of feedback, when participating in loyalty programs, surveys, technical support.
3.2 Data collected automatically:
IP address, browser type, language settings, device type and model, OS version;
Information about login time, logout time, actions on the site;
Geographic location (if authorized);
Information about transactions, actions within the Service;
Log files, cookies, pixels, session identifiers.
3.3 Third Party Data:
From affiliated entities and business partners;
From payment systems, verification providers;
From public sources and government registries;
From parties authorized by you to transmit data.

4. Purposes of personal data processing
The Company processes personal data for the following purposes:
User registration, Account creation and administration;
Providing access to the functionality of the Service;
Verifying the User's identity (KYC) and risk assessment (AML);
Fulfillment of contractual obligations, including transaction processing;
Support and maintenance of Users, responding to requests;
Detection and prevention of fraudulent, illegal actions;
Analytics, statistics, improvement of the Service;
Personalization of the interface, recommendations and notifications;
Marketing communications, including advertising;
Fulfillment of legal requirements and requests of state authorities.

5. Legal basis for processing
Processing of personal data is carried out on the following grounds:
Conclusion and execution of a contract with the User;
Consent of the data subject to the processing;
The legitimate interests of the Company (e.g. fraud prevention, analytics);
Fulfillment of legal obligations under the laws of the place of incorporation.

6. Storage of Data
6.1 Data shall be stored for the period necessary to achieve the purposes of processing or for the period required by applicable law, including regulations on the retention of accounting, financial and other legal documents.
6.2 Upon expiration of the storage period, the data shall be deleted or depersonalized.
6.3 The User has the right to request deletion of personal data if there are no grounds for further processing, except as provided by law.

7. Transfer and disclosure of data
The Company may transfer personal data to the following categories of recipients:
Affiliated entities;
Payment systems and financial institutions;
Cloud storage, analytics, and technical support providers;
Marketing agencies;
Government agencies upon official request;
To assignees in case of reorganization, merger, liquidation.

8. Cross-border data transfer
If the processing involves a cross-border transfer of data we will ensure appropriate legal protection mechanisms.

9. Cookies and similar technologies
9.1 We use cookies and tracking technologies to:
identifying the User at login;
storing User preferences;
analyze behavior and optimize the site;
display relevant advertising.
9.2 You can control cookies through your browser settings. Disabling it may limit the functionality of the Service.

10. Automation and profiling
10.1 We may use automated processing (including profiling) to:
risk assessment, fraud prevention;
service recommendations, interface improvements;
personalize marketing.
10.2 You have the right to:
receive information about the processing logic;
refuse profiling associated with legal consequences;
appeal against an automatic decision involving a human being.

11. Rights of the User
The User has the following rights:
The right to access their personal data;
The right to rectification (update, amendment);
The right to erasure (“right to be forgotten”);
Right to restriction of processing;
The right to withdraw consent;
The right to lodge a complaint with a supervisory authority;
The right to opt out of receiving advertising and marketing.

Requests shall be sent to the e-mail address of the Service (clause 2). We undertake to respond within a reasonable time, but no later than 30 calendar days.

12. Personal data protection
The Company applies a set of measures to ensure data security, including:
encryption (TLS/SSL), VPN and access segmentation;
use of certified data centers;
access restrictions based on the “necessary minimum” principle;
multi-factor authentication and activity monitoring;
internal regulations, auditing and employee training.

In the event of an incident, we will notify you within the statutory timeframe.

13. Links to external sites
The Service may contain links to third-party web resources. The Company does not control the privacy policy and security of these resources. We recommend that you read their terms and conditions separately.

14. Policy updates
The Company reserves the right to make changes to this Policy at any time. Updates are effective when the new version is posted on the website.

15. Applicable Law and Jurisdiction
This Policy shall be governed by and construed in accordance with the laws of the Company's country of incorporation. All disputes arising in connection with the processing of personal data shall be resolved in the appropriate court of the said jurisdiction.
All Rights Reserved

ARIMA SERVICE LTD
Registration number 240942