**INTRODUCTION**

This privacy notice applies to ExchangeBuz Holdings Inc. and its subsidiaries, collectively referred to as "us," "we," or "our." ExchangeBuz Holdings Inc. is committed to safeguarding your privacy and ensuring that your personal information is securely handled following this notice

References to "you" in this notice pertain to individuals accessing or using ExchangeBuz Holdings Inc. services on behalf of themselves or their organization. This includes sole traders, principals, management and directors, financial officers, partners, shareholders, beneficial owners of clients, and staff members using ExchangeBuz Holdings Inc. services on behalf of a customer.

This notice, along with our terms of service, covers the following:

• Features and services are provided through our portal, payment panels, or websites.

• Applications for and use of ExchangeBuz Holdings Inc. services and products, including loyalty programs..

• Use of software, including terminals and mobile applications provided by ExchangeBuz Holdings Inc..

• Communication via email, phone, SMS, website/portal, LiveChat, and other electronic means between you and ExchangeBuz Holdings Inc..

Collectively, these are referred to as "ExchangeBuz Services."

Please read this notice carefully to understand our policies and practices regarding your personal information. We adopt a "layered approach" to explain our privacy practices, presenting the most critical information in a short form privacy notice, with links to this comprehensive notice. For feedback or inquiries, contact details are provided at the end of this notice.

• INFORMATION WE MAY COLLECT FROM YOU

We may collect and process both personal and non-personal information.

• Personal Information: Information that can uniquely identify an individual, either directly or indirectly.

•Non-Personal Information (NPI): Information that cannot identify a specific individual. ExchangeBuz Holdings Inc. may collect, create, store, use, and disclose NPI for business purposes, such as trend research and data analytics.

• Collection of Your Information

We may collect the following types of information through various means:

• Personal and financial information provided by you, such as name, date of birth, email, billing address, username, password, nationality, and country of residence.

• Card information, such as account number, expiration date, CVC, and bank details.

• Transaction details related to purchases, including location, value, time, and travel-related information.

• Loyalty program points or prizes earned or redeemed.

• Any other information you or your customers provide.

• Photos and videos from ExchangeBuz events

• Information Collected Automatically

We collect information automatically when you interact with ExchangeBuz Holdings Inc., such as:

• Technical information: IP address, browser type and version, time zone setting, and operating system.

• Visit details: URLs, products viewed or searched for, page response times, download errors, and visit duration.

• Information from cookies and similar technologies.

Please refer to our Cookie Policy for more details.

• Information from Our Apps

When you use our mobile or desktop applications, we may collect information about your location, device, and service usage, including real-time location data with your consent.

• Email and Other Communications

We may receive information about you when you communicate with us, including the use of electronic identifiers like IP addresses or phone numbers.

• Information from Other Sources

We may obtain information about you from third parties, such as business partners, financial institutions, analytics providers, credit references, and fraud prevention agencies.

• Use of Your Information


We may use and disclose personal information for the following purposes:

• To provide ExchangeBuz Services, fulfill obligations, and track transactions.

• To enhance our business and develop new products and services.

• To monitor and enforce rights, terms of service, or contracts.

• To perform credit assessments and manage credit risk.

• To prevent, detect, and prosecute fraud or crime.

• For marketing, market research, and customer feedback.

• To comply with legal and regulatory requirements.

• Disclosure of Your Information

We disclose personal information only as described in this notice:

• Within ExchangeBuz Holdings Inc. for service provision and internal purposes

• To credit reference agencies, fraud prevention organizations, financial institutions, and third-party service providers.

• To comply with legal requirements and requests from law enforcement.

• During business transfers or mergers.

• With your consent, for other purposes.

ExchangeBuz Holdings Inc. does not sell or rent personal information to third parties for commercial purposes.

• Monitoring

We may monitor or record communications for regulatory, quality assurance, security, or training purposes. Our offices may use CCTV and other monitoring systems for security and health and safety management.

• Storage and Transfer of Personal Information

Your personal information may be processed outside the European Economic Area (EEA) or your country of residence. We will take steps to ensure your information is protected following this notice and applicable laws.

• Security of Personal Information

We implement safeguards to protect your personal information against loss and unauthorized access. You are responsible for maintaining the confidentiality of your passwords and access codes.

• Retention of Personal Information

We retain your personal information for as long as necessary to provide ExchangeBuz Services and comply with legal and regulatory requirements.

• Your Data Protection Rights

You have rights regarding your personal information, including access, correction, deletion, objection to processing, and data portability. You can withdraw consent at any time, and you have the right to complain to data protection authorities.

• Automated Decision-Making

We use automated decision-making in some cases, such as credit assessments and anti-fraud checks. You have the right to challenge decisions made automatically and request human review.

• Legal Basis for Processing

We process your personal information based on your consent, contractual necessity, legitimate interests, legal requirements, or to protect vital interests.

• Changes to Our Privacy Notice

We may update this notice periodically. Significant changes will be communicated via this website/portal.

• Links to Third-Party Sites

Our site may contain links to third-party websites with their privacy policies. ExchangeBuz Holdings Inc. is not responsible for these third-party sites