Politique de confidentialité

1. Introduction

Zarvista Capital Markets Ltd (hereinafter called “We”, or the « Company ») is authorised by Mwali International Services Authority in Comoros Union with license number T2023293 with registered office at Bonovo Road – Fomboni Island of Mohéli – Comoros Union. Protecting the privacy and safeguarding the personal and financial information of Company’s clients and website visitors is one of our highest priorities. The following Privacy Statement explains how we collect and protect your information.

2. Collection of Personal Information

We collect the information required to open an account, transact business effectively, and safeguard your assets and privacy. This includes gathering details to help us assess your needs and preferences. The information we collect directly from you includes your name, mailing address, telephone number, email address, birth date, and location information. To receive more information, register for a demo account, open a trading account, or establish any other business relationship, you are required to complete the Application Form. By completing this form and providing your personal information, you enable us to evaluate your application and comply with laws and regulations governing the provision of financial services. This same information is also used by the Company to contact you regarding the services offered.

The personal data collected by the Company may include, but is not limited to:

• Personal information you provide on applications and other forms, such as your name, surname, address, email address, phone number, date of birth, gender, occupation, and employment details.
• Financial information, such as your income, assets, and net worth.
• IP address.
• Bank account, e-wallet, and credit card details, as well as tax information.
• Documents provided to verify your identity, such as your passport or identity card, utility bills, bank statements, or company incorporation details.

3. Use of Personal Data

The Company collects and processes Personal Data necessary for the evaluation, establishment, and maintenance of the contractual relationship between the Company and the Client. In certain cases, the Company may also process the Client’s Personal Data to pursue its legitimate interests or those of third parties, provided that the Client’s interests and fundamental rights are not overridden by those of the Company or the third party.

The Company may use your personal information for one or more of the following purposes:

• To confirm or verify your identity.
• To assess your appropriateness or suitability for the products and services we provide.
• To process your transactions.
• To manage the account you hold with the Company.
• To provide you with transaction-related and post-transaction services.
• To inform you about products and services that may be of interest to you.
• To keep you updated on matters relevant to your business relationship with us.
• To analyze statistical data to improve the products and services we offer.
• To enhance the security controls of the Company’s networks and systems.
• To identify, assess, mitigate, prevent, and investigate fraudulent activities prohibited by relevant legislation.
• To defend against possible legal claims.

The Company is required to comply with the Anti-Money Laundering regulations of the Mwali International Services Authority. As a result, hard copies and/or electronic copies of relevant documents must be retained as evidence. Additionally, measures related to your identity verification, source of income and wealth, monitoring of transactions, telephone, text, and email communication, and transaction history must be preserved. This allows the Company to demonstrate to the regulator that it has acted in accordance with the legislation.

4. Disclosure of Personal Data

Any personal information is treated as confidential and may be shared within the Company and its partners to fulfill contractual and legal obligations. The Company maintains contractual relationships with its partners to ensure the safeguarding of Clients’ personal data in accordance with Data Protection Legislation. These partners uphold the privacy of your information to the same standard as the Company, in compliance with this policy. Non-affiliated companies that assist the Company in providing services are required to maintain the confidentiality of your information and use it solely for the purposes defined by the Company, in accordance with applicable laws.

Recipients of Personal Data may include:

• Technological experts appointed by the Company to ensure the smooth operation of our systems.
• Platform providers.
• Payment service providers and credit institutions to facilitate incoming and outgoing Client payments.
• Governmental authorities and regulatory bodies.
• Fraud prevention agencies, third-party authentication service providers, and verification/screening service providers.
• Data reporting service providers to meet regulatory obligations.
• External consultants.

5. Affiliates and Partners

We may share information with affiliates when it is necessary to provide the product or service you have requested or to offer you the opportunity to participate in products or services offered by our affiliates. Additionally, we may establish partnerships and alliances, including joint marketing agreements, with other companies that provide high-quality products and services that could be valuable to our clients. To ensure these products and services meet your needs and are delivered in a useful and relevant manner, we may share some information with partners, affiliates, and alliances. This enables them to better understand which offers are most relevant and beneficial to you. The use of your personal information is strictly limited to the purposes identified in our relationship with the partner or affiliate.

6. Non-affiliated third parties

We do not sell, license, lease, or otherwise disclose your personal information to any third party, except as outlined below. We reserve the right to disclose your personal information to third parties when required by law, including to regulatory, law enforcement, or other government authorities. Additionally, we may disclose your information as necessary to credit reporting or collection agencies or to protect our rights or property.

To enhance our services, we may engage third-party businesses to perform certain internal functions, such as account processing, order fulfillment, client service, client satisfaction surveys, or other data collection activities relevant to our operations. We may also share client information from our database with these parties to help analyze client needs and notify clients of relevant product and service offerings.

The use of the information shared is strictly limited to the performance of the specific task we request and for no other purpose. All third parties with whom we share personal information are required to protect it in a manner consistent with our own standards of protection.

7. Cookies

Cookies are small text files with unique ID tags that are stored in your browser’s directory or program data subfolders. They are created when you visit a website that uses cookies to track your movements within the site, remember where you left off, store your login details, preferences, theme selections, and other customization settings. The website stores a corresponding file (with the same ID tag) to the one set in your browser, allowing it to track your site activity and any voluntary information you provide, such as an email address.

Cookies are essential for websites with large databases, login features, customizable themes, and advanced functionalities. Typically, cookies contain only the website’s URL, the duration of the cookie’s validity, and a random number, which makes them insufficient for revealing your identity or personally identifiable information.

There are two types of cookies: **session cookies** and **persistent cookies**. Session cookies are created temporarily while you browse a website and are deleted once you leave the site. Persistent cookies, however, remain in your browser’s subfolder and are reactivated when you revisit the website that created them. These cookies stay active for the duration specified in the cookie file.

The Company’s website uses cookies to provide the necessary functionality for seamless browsing. Cookies are issued upon landing on our website unless the user has adjusted their browser settings to refuse them. Please note that disabling cookies may restrict access to certain areas of the website or services.

The Company does not use cookies to collect personal information about you. Instead, the cookies we use collect anonymous data to optimize our services and improve your browsing experience, without gathering personal details.

8. Changes of Privacy Policy

The Company reserves the right to amend or update this Privacy Policy without providing further notice, as long as such changes do not significantly reduce your rights under this Policy. In the event of material changes, we will notify you via email, a notice on our homepage, or by updating the version and date on the first page of this document. The latest and prevailing version of this Policy will always be accessible at https://zarvistacm.com. Any revised Policy will take effect immediately upon being posted on our website.

9. Legal Disclaimer

The Company reserves the right to disclose your personally identifiable information as required by rules and regulations, and when it believes such disclosure is necessary to protect our rights or to comply with a judicial proceeding, court order, or legal process. The Company will not be liable for the misuse or loss of personal information resulting from cookies on the Company’s site(s) that it does not have access to or control over. Additionally, the Company will not be liable for the unlawful or unauthorized use of your personal information due to misuse or misplacement of your passwords, whether through negligence or malicious actions.

Further information regarding the Company’s Privacy Policy is available upon request by emailing [email protected].