Privacy Policy

1. Introduction

Obseq Inc. (“Obseq”, “we”, “us”, or “our”) is a financial technology company headquartered in Dubai, United Arab Emirates. We operate globally, providing payment infrastructure and settlement services to institutional clients and partners. This Privacy Policy explains how we collect, use, disclose, and safeguard personal data in connection with our website and services.

We are committed to protecting personal data in compliance with applicable data protection laws, including the UAE Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (“UAE PDPL”), the DIFC Data Protection Law 2020, and, where applicable, the EU General Data Protection Regulation (“GDPR”) and other international frameworks.

2. Data We Collect

We may collect the following categories of personal data:

• Contact and identity data — name, email address, phone number, job title, and company name, provided when you contact us or engage with our services.
• Usage and technical data — IP address, browser type, operating system, pages visited, time spent, and referring URLs, collected automatically via cookies and analytics tools.
• Communications data — messages, inquiries, and correspondence submitted through our website or directly to our team.
• Compliance and due-diligence data — business registration details, beneficial ownership information, and other data required for KYB/KYC and AML screening for institutional onboarding.

3. Legal Basis for Processing

We process personal data on the following legal bases:

• Contractual necessity — to perform our obligations under agreements with clients and partners.
• Legal obligation — to comply with AML, sanctions screening, and financial regulations applicable in the UAE and jurisdictions where we operate.
• Legitimate interests — to improve our services, maintain security, and conduct business communications, where these interests are not overridden by your rights.
• Consent — where we rely on your explicit consent, such as for marketing communications or optional cookies.

4. How We Use Personal Data

• To respond to inquiries and manage business relationships.
• To onboard institutional clients and conduct required compliance checks.
• To deliver, maintain, and improve our services and platform.
• To detect, investigate, and prevent fraud, money laundering, and other financial crime.
• To comply with regulatory reporting and legal obligations in the UAE and globally.
• To analyze website usage and improve user experience.
• To send service-related communications and, where consented, relevant updates about our products.

5. Cookies

We use cookies and similar tracking technologies to enhance your experience and analyze site traffic. You can control cookie preferences through your browser settings or our cookie consent banner. Declining non-essential cookies will not affect your ability to access our website.

6. Sharing and Disclosure

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

• Service providers — third parties supporting our operations, including cloud infrastructure, compliance tooling, and analytics, under appropriate data processing agreements.
• Regulatory and law enforcement authorities — when required by UAE law, DIFC regulations, or requests from competent authorities in other jurisdictions.
• Financial counterparties — banks, liquidity providers, and settlement networks as necessary to execute transactions.
• Group entities — affiliates and subsidiaries of Obseq Inc. for internal administrative and operational purposes.
• Business transfers — in connection with a merger, acquisition, or restructuring, subject to confidentiality obligations.

7. International Data Transfers

As a globally operating company, we may transfer personal data outside the UAE and the EEA. Where we do so, we ensure appropriate safeguards are in place, such as standard contractual clauses, adequacy decisions, or equivalent mechanisms recognised under applicable law.

8. Data Retention

We retain personal data for as long as necessary to fulfill the purposes set out in this policy or as required by law. Compliance and transaction records are typically retained for a minimum of five to seven years in accordance with UAE AML regulations and applicable financial laws.

9. Your Rights

Subject to applicable law, you may have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate or incomplete data.
• Request deletion of your data, where no legal obligation requires us to retain it.
• Object to or restrict certain processing activities.
• Request portability of your data in a structured, machine-readable format.
• Withdraw consent at any time, where processing is based on consent.

To exercise these rights, contact us at support@obseq.xyz. We will respond within the timeframes required by applicable law.

10. Security

We implement industry-standard technical and organizational security measures, including encryption, access controls, and regular security assessments, to protect personal data against unauthorized access, disclosure, alteration, or destruction. No system is entirely secure, and we cannot guarantee absolute security.

11. Governing Law

This Privacy Policy is governed by the laws of the Dubai International Financial Centre (DIFC), UAE. Any disputes relating to this policy shall be subject to the jurisdiction of the DIFC Courts, without prejudice to your rights under the data protection laws of your country of residence.

12. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable law. Material changes will be communicated by updating the date at the top of this page. Continued use of our website or services after the effective date constitutes acceptance of the revised policy.

13. Contact Us

For questions, requests, or complaints regarding this Privacy Policy or our data practices, please contact us at support@obseq.xyz or write to: Obseq Inc., Legal & Compliance, Dubai, United Arab Emirates.