1. About this policy
This is the privacy policy for the Qeepa app and website. It explains what information we collect, why we collect it, who we share it with, and what choices you have. We try to write this in plain English. If anything is unclear, write to us at privacy@qeepa.comand we'll do our best to explain it.
This policy applies to Qeepa Ltd ("Qeepa", "we", "our") and to anyone who uses our app, website, or services.
2. What we collect
We collect a few categories of information.
Account information
Your name, email, phone number, address, and any contact preferences you set.
Identity verification
To meet our regulatory obligations, we verify who you are. This involves a government-issued ID, a live selfie, and basic background checks run by our identity providers.
Item information
Photographs, descriptions, serial numbers, and condition reports for items you ask us to value or accept as collateral.
Bank and payment information
Your bank account details, so we can send and receive money, and a record of payments made and received.
Usage information
Things our systems log automatically when you use the app or website, like the device you're using, approximate location based on IP, and how you move through the product. We use this to keep the service running, fix bugs, and improve the experience.
Communications
Messages you send us through support, email, or in-app chat, and our replies.
3. How we use your information
We use the information we collect to:
- Open and run your account
- Verify your identity, in line with applicable financial regulations
- Value items, agree loans, and process repayments
- Hold and insure items pledged as collateral
- Detect and prevent fraud and money laundering
- Communicate with you about your account, loans, or items
- Improve the product based on how it's used
- Comply with our legal and regulatory obligations
5. How long we keep it
We keep your information for as long as you have an account, and for a period afterwards based on the type of data and what regulators require us to retain. As a rule of thumb:
- Account information: while you have an account, plus six years
- Loan and payment records: at least seven years after the loan closes
- Identity verification records: at least five years after your last activity
- Communications: up to three years
Where we no longer need data for any of the purposes above, we securely delete or anonymise it.
6. Your rights
Depending on where you live, you may have the right to:
- Access the personal data we hold about you
- Ask us to correct it if it's wrong
- Ask us to delete it (where we're not required to keep it)
- Object to or restrict certain processing
- Receive a copy in a portable format
- Withdraw consent where consent is the basis we relied on
- Complain to a data protection authority
To exercise any of these rights, write to privacy@qeepa.com. We aim to respond within 30 days.
7. Security
We use standard industry measures to protect your information, including encryption in transit and at rest, access controls, audit logging, and regular reviews. No system is perfectly secure, but we work hard to keep yours safe and we tell you promptly if anything goes wrong.
9. International transfers
Some of our partners are based outside the country you live in. Where we transfer personal data internationally, we use the safeguards required by law to protect it, such as standard contractual clauses.
10. Children
Qeepa is not for anyone under 18. We do not knowingly collect data from children. If you believe we have data about a child, contact us and we will delete it.
11. Changes to this policy
We update this policy from time to time. When we make a material change, we'll let you know in the app or by email before it takes effect. The "last updated" date at the top of this page reflects the most recent revision.
12. Contact
If you have any questions about this policy or about how your data is handled, write to privacy@qeepa.com.
Qeepa Ltd, registered company. Registered office address available on request.