Privacy Policy

1.What This Policy Covers

This Policy covers all personal data collected through our Services, including our website and web applications, account registration and funding applications, and interactions with our platform, including support, affiliate, and partner communications. Our Services are intended for individuals aged 18 and over.

2.What Data We Collect

3.How We Use Your Data

• Deliver and manage your access to our Services
• Match your funding requests to suitable financial partners
• Verify identity and compliance (via partners like Sumsub)
• Communicate with you about your applications and updates
• Improve our Services and user experience
• Promote our products, affiliates, and funding partners
• Protect against fraud and comply with legal obligations

We do not sell your personal data. However, we may share certain data with third-party analytics, marketing, or compliance partners under your consent or where legally permitted.

4.Use of Cookies

Cookies help us personalize your experience, analyze performance, and improve our Services. You may disable cookies through your browser, but some features may not function properly.

5.When We Share Data

• Funding Partners and Financial Institutions to process your funding matches or applications
• Service Providers who support our operations (hosting, analytics, compliance checks)
• Affiliates and Business Partners who help us promote or deliver services
• Legal Authorities, if required by law

All third parties are required to handle your data securely and use it only for the stated purpose.

6.Artificial Intelligence and Automation

We use automated tools and AI models to:

• Match your business to suitable funding opportunities
• Analyze application data to improve accuracy
• Summarize partner product information
• Detect fraudulent activity

We do not use AI for decisions that have legal or similar effects without human oversight.

7.Why We Can Use Your Data

We process data because:

• You have given us consent
• It's necessary to fulfill a contract or funding request
• We have legitimate interests in improving and securing our Services
• We must comply with legal obligations (e.g., KYC, AML)

8.Data Retention

We retain your information only as long as necessary to:

• Deliver the Services you've requested
• Fulfill our contractual or legal obligations
• Resolve disputes and maintain records for compliance

After this period, your data is securely deleted or anonymized.

9.How We Keep Your Data Safe

We implement administrative, technical, and physical safeguards to protect your data. While we strive for the highest security standards, no system is entirely risk-free. You are responsible for maintaining the confidentiality of your login credentials.

10.Your Rights and Choices

You can:

• Request access to your personal data
• Request corrections or updates
• Request deletion of your data
• Withdraw consent for marketing or processing
• Object to certain uses of your information

Submit a request at info@9qcinc.com or by mail at: 9QC INC. Privacy Officer, Montreal, QC, Canada. We may verify your identity before processing any request.

11.International Transfers

If we transfer your data outside your country (for example, to funding partners or service providers abroad), we ensure it is protected by legal safeguards consistent with this Policy.

12.Complaints

If you have any concerns about how we handle your data, please contact us first. You may also contact your local data protection authority if you are unsatisfied with our response.

13.Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we'll post the new version on our website and update the "Effective Date." We encourage you to review it periodically.