Privacy Policy

At Nobium, we are dedicated to safeguarding the privacy of our users. This Privacy Policy outlines the categories of personal data we collect and process, as well as the measures we implement to secure that data. Nobium serves as the data controller responsible for the personal information we collect and process, ensuring compliance with the General Data Protection Regulation (GDPR). This Privacy Policy applies to all entities within the Nobium Group (including Nobium Technology AB, Nobium AB, and Rational Money AB) and encompasses the processing of customer data, as well as data from other relationships, including but not limited to contact persons, service providers, authorized representatives, visitors, ultimate beneficial owners, and beneficiaries.

We collect personal information from our users to provide the requested services. The personal information we collect includes:

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  Contact Information: Name, email address, residential address, social security number, and telephone number.

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  Financial Information: Credit card numbers, bank account numbers, bank statements, and any documentation verifying the source of wealth or funds.

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  Demographic Information: Age, gender, and location.

Additionally, we process online identifiers such as IP addresses, MAC addresses, and other similar information submitted by website visitors. We also analyze how you interact with our emails, collecting data on opened emails and clicks to better understand customer engagement with our email communications.

We utilize personal information for the following purposes:

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  To fulfill the terms of the agreement between our customers and Nobium, providing services and processing transactions on their behalf.

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  To communicate with users regarding their accounts and the services we offer, for both informational and marketing purposes.

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  To enhance our services and ensure their efficient operation.

The primary legal basis for processing personal data is the fulfillment of the user’s agreement with the Nobium. Furthermore, the Nobium is obligated to process personal data to comply with legal requirements, other regulatory mandates, or authoritative decisions. Additionally, processing may be justified on the basis of legitimate interests, which include marketing, analysis, and product development.

The Nobium may be required to share your data with authorities to comply with legal obligations, such as reporting requirements. Furthermore, we may share your personal information with third-party partners with whom we collaborate. When sharing data with third parties not acting as authorities, the Nobium remains responsible for the processing of your data, which will be governed by a Data Processing Agreement. Transfers of personal data to third countries are permitted only when adequate protection measures are in place.

We implement appropriate measures to prevent unauthorized access, alteration, or destruction of personal data. These safeguards include the use of secure servers and encryption of sensitive information.

Under the General Data Protection Regulation (GDPR), data subjects possess the following rights concerning their data:

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  The right to receive information regarding the personal data we process (registration extract).

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  The right to request correction of inaccurate or incomplete information.

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  The right to request deletion or restriction of processing, unless we are required to retain the data due to your relationship with the Nobium or applicable legislation.

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  The right to object to the processing of personal data based on the Nobium’s legitimate interests, including direct marketing and profiling.

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  The right to obtain specific personal data in a machine-readable format and, where technically feasible, to transfer such data to another data controller (data portability).

The Nobium implements reasonable safeguards for our data and information systems. Customer records are protected according to the sensitivity of the information. Our computer systems are subject to reasonable access controls, and only authorized personnel have physical access to areas where personal information is collected, processed, or stored. We may store and process all or part of your personal and transactional information, including payment information such as encrypted bank account details, at our facilities or those of our service providers worldwide. We employ physical, electronic, and administrative measures compliant with existing laws and regulations.

Employees of the Nobium are required to adhere to all applicable laws and regulations, including data protection laws, as a condition of employment. Access to sensitive personal information is restricted to personnel who require it to fulfill their job responsibilities. Unauthorized use or disclosure of confidential customer information is strictly prohibited and may lead to disciplinary action.

When you contact a Nobium employee regarding your file, you may be asked to provide personal information to ensure that only you or your authorized representative can access your records. You are also responsible for safeguarding your personal information. When registering for our Services, please select a strong and complex password, refrain from sharing it with third parties, and promptly inform us of any unauthorized access to or use of your account.

The Nobium will retain personal information for as long as necessary to fulfill the purposes for which it was collected or as required by law.

We reserve the right to modify this Privacy Policy at any time. Any changes will be posted on this page, and where necessary, you will be notified via email. We encourage you to periodically review this page for updates.

If you have any questions or concerns regarding this Privacy Policy , or if you wish to lodge a complaint, please contact us .