Privacy Policy

1. Information we collect

We collect the following categories of personal data:

• Identity and contact data, such as your name, date of birth, nationality, job title, employer, email address, telephone number and correspondence address.
• Corporate and beneficial ownership data, where you act for a business, such as company details, directors, shareholders, ultimate beneficial owners and authorised signatories.
• Verification and due diligence data, such as identity documents, proof of address, source of funds and source of wealth information, and the results of sanctions, politically exposed person and adverse media screening.
• Financial and transactional data, such as account and payment details, balances, currencies, transaction history, settlement instructions and counterparties.
• Technical and usage data, such as your IP address, device and browser type, operating system, time zone, and information about how you interact with our website, collected through cookies and similar technologies.
• Communications data, such as records of your correspondence with us, including emails, calls and messages.

2. How we collect personal data

We collect personal data:

• Directly from you, when you enquire, onboard, contract with us or use our services.
• Automatically, through cookies and similar technologies when you use our website (see our Cookie Policy).
• From third parties and public sources, including identity verification and screening providers, banking and liquidity partners, company and beneficial ownership registers, credit reference and fraud prevention agencies, and your authorised representatives.

3. How and why we use personal data

We use personal data to provide and administer our services and to meet our legal and regulatory obligations. The lawful bases on which we rely include the performance of a contract, compliance with a legal obligation, our legitimate interests, and, where required, your consent.

• To assess and onboard you, including identity verification, know-your-customer and know-your-business checks, and risk assessment.
• To provide, administer and settle transactions and services, and to communicate with you about them.
• To meet our anti-money laundering, counter-terrorist financing, sanctions, tax and other legal and regulatory obligations.
• To detect, investigate and prevent fraud, financial crime and security incidents.
• To operate, maintain, improve and secure our website and platform.
• To send you service communications and, where you have consented or we are otherwise permitted, relevant marketing.

4. Who we share personal data with

We may share personal data with:

• Other entities within Lydiam Group, for the purposes described in this policy and under intra-group arrangements.
• Service providers and processors acting on our instructions, such as identity verification and screening providers, technology and hosting providers, and professional advisers.
• Banking, payment and liquidity partners necessary to deliver and settle your transactions.
• Regulators, law enforcement, tax authorities and other public bodies, where required or permitted by law.
• Acquirers or successors, in connection with a corporate transaction such as a merger, acquisition or reorganisation.

5. International transfers

Because Lydiam Group operates across multiple jurisdictions, your personal data may be transferred to, and processed in, countries other than the one in which you are located. Where we transfer personal data internationally, we take steps to ensure it is protected by appropriate safeguards consistent with applicable data protection law, such as recognised adequacy mechanisms or standard contractual clauses.

6. How long we keep personal data

We retain personal data for as long as necessary to provide our services and to meet our legal, regulatory, accounting and reporting obligations. In particular, records relating to onboarding, due diligence and transactions are generally retained for a minimum period following the end of our relationship, in line with applicable anti-money laundering and recordkeeping requirements. When personal data is no longer required, we securely delete or anonymise it.

7. How we protect personal data

We maintain appropriate technical and organisational measures designed to protect personal data against unauthorised or unlawful processing and against accidental loss, destruction or damage. These include access controls, encryption of data in transit and at rest where appropriate, and ongoing monitoring. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Your rights

Subject to applicable law and to our legal and regulatory obligations, you may have the right to access the personal data we hold about you, to request its correction or deletion, to restrict or object to its processing, to request portability, and to withdraw consent where we rely on it. Some of these rights are limited where we are required to retain information for legal or regulatory reasons.

To exercise any of these rights, please contact us using the details below. You also have the right to lodge a complaint with the data protection supervisory authority in your jurisdiction.

9. Cookies

Our website uses cookies and similar technologies. For details of the cookies we use and how to manage your preferences, please see our Cookie Policy.

10. Children

Our services are intended for businesses and adults. We do not knowingly collect personal data relating to children.

11. Changes to this policy

We may update this Privacy Policy from time to time. The current version will always be available on this page, and the date at the top indicates when it was last revised.

12. Contact us

If you have any questions about this Privacy Policy or how we handle your personal data, or to exercise your rights, please contact us at info@lydiamgroup.com.