Privacy Policy

Last Updated: 17 March 2026

MOOZARS LTD ("we," "our," or "us") operates satellite-resilient stablecoin settlement infrastructure for global petroleum, energy, and commodity markets. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform and services.

Please read this Privacy Policy carefully. By accessing or using our services, you agree to the terms of this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our services.

International Compliance: This Privacy Policy complies with data protection regulations in multiple jurisdictions, including GDPR (EU), UK GDPR, HKMA requirements (Hong Kong), CCPA (California/US), PIPL (China), and applicable Asia-Pacific data protection laws.

1. Information We Collect

1.1 Information You Provide

We collect information that you voluntarily provide to us when you:

Register for an account
Use our stablecoin settlement services
Execute commodity trade settlements
Contact us for support
Complete identity verification (KYC/AML)

This information may include:

Name and contact information (email address, phone number, postal address)
Account credentials (username, password)
Identity verification information (government-issued ID, proof of address)
Financial information (bank details, wallet addresses, transaction history)
Source of funds documentation
Communications you send to us

1.2 Automatically Collected Information

When you access our services, we automatically collect certain information, including:

Device information (device type, operating system, unique device identifiers)
Usage data (features accessed, time spent, interaction patterns)
Location data (with your permission)
Satellite connectivity data (connection status, signal quality)
Log data (IP address, browser type, access times)
Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect for the following purposes:

2.1 Service Provision

To create and manage your account
To provide stablecoin settlement services
To process petroleum and commodity trade settlements
To facilitate satellite-connected payment processing
To provide customer support

2.2 Compliance and Regulatory Requirements

To comply with KYC/AML regulations in UK, Hong Kong, and other jurisdictions
To meet HKMA licensing and regulatory requirements
To conduct sanctions screening and anti-money laundering checks
To report to financial regulators as required by law
To maintain audit trails and transaction records

2.3 Communication

To send you technical notices and updates
To respond to your inquiries and requests
To provide regulatory notices and compliance communications
To send you news about our services (with your consent)

2.4 Security and Fraud Prevention

To verify your identity and prevent fraud
To detect and prevent money laundering
To monitor for suspicious transactions
To protect the rights, property, and safety of MOOZARS LTD and our users

2.5 Service Improvement

To analyze usage patterns and improve our services
To develop new features and functionality
To optimize satellite connectivity performance

3. How We Share Your Information

We may share your information in the following circumstances:

3.1 Regulators and Authorities

We share information with regulatory bodies and authorities as required, including:

Hong Kong Monetary Authority (HKMA)
Financial Conduct Authority (FCA) - United Kingdom
European financial regulators (for EU operations)
US regulatory authorities (for US operations)
Chinese regulatory authorities (for China operations)
Law enforcement agencies when required by law

3.2 Financial and Service Partners

We may share your information with:

Banking partners and liquidity providers
Settlement network participants
Payment processors and custody providers
KYC/AML verification service providers
Satellite connectivity infrastructure providers
Cloud storage and hosting providers

3.3 Legal Requirements

We may disclose your information if required to do so by law or in response to:

Valid legal processes (subpoenas, court orders)
Regulatory inquiries or investigations
Requests from law enforcement or government authorities
Protection of our rights or the rights of others

3.4 Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction.

3.5 With Your Consent

We may share your information for any other purpose with your explicit consent.

Important: We do not sell your personal data to third parties.

4. International Data Transfers

As a global stablecoin settlement infrastructure provider operating across multiple jurisdictions, we transfer personal data internationally, including between our operations in the United Kingdom, Hong Kong, and other countries.

We ensure appropriate safeguards for international transfers through:

EU Standard Contractual Clauses (SCCs)
UK International Data Transfer Agreements (IDTAs)
HKMA-approved cross-border data transfer mechanisms
Adequacy decisions where applicable
Encryption and security measures during transfer

5. Data Security

We implement appropriate technical and organizational measures to protect your information, including:

End-to-end encryption of data in transit and at rest
Secure satellite communication protocols
Bank-grade security infrastructure
Multi-factor authentication
Regular security assessments and audits
Access controls and authentication mechanisms
Employee training on data protection
Compliance with HKMA technology risk management guidelines

However, no method of transmission over the Internet or satellite network is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as necessary to:

Provide our services to you
Comply with legal, regulatory, or contractual obligations
Meet financial services record-keeping requirements (typically 7 years)
Satisfy HKMA, FCA, and other regulatory retention obligations
Resolve disputes and enforce our agreements

When your information is no longer needed, we will securely delete or anonymize it in accordance with applicable laws and regulations.

7. Your Rights

7.1 EU/UK Users (GDPR/UK GDPR)

You have the right to:

Access your personal data
Rectify inaccurate data
Request erasure (subject to regulatory retention requirements)
Restrict or object to processing
Data portability
Withdraw consent
Lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk

7.2 Hong Kong Users (PDPO)

You have the right to:

Request access to and correction of your personal data
Object to the use of personal data for direct marketing
Lodge a complaint with the Privacy Commissioner for Personal Data at pcpd.org.hk

7.3 California/US Users (CCPA)

California residents have the right to:

Know what personal information is collected
Know whether personal information is sold or disclosed
Opt-out of the sale of personal information (we do not sell data)
Request deletion of personal information
Non-discrimination for exercising CCPA rights

7.4 China Users (PIPL)

Users in China have the right to:

Access and copy your personal information
Request correction or supplementation
Request deletion under certain circumstances
Withdraw consent for processing based on consent

7.5 Exercising Your Rights

To exercise any of these rights, please contact us using the information provided in the Contact Us section below.

8. Legal Basis for Processing

We process your personal data based on the following legal grounds:

Contractual Necessity: Processing necessary to provide stablecoin settlement services
Legal Obligation: Processing required to comply with KYC/AML, HKMA, FCA, and other regulatory requirements
Legitimate Interests: Processing necessary for fraud prevention, security, and service improvement
Consent: Processing based on your explicit consent (which you can withdraw at any time)

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete such information promptly.

10. Cookies and Tracking Technologies

We use essential cookies for platform functionality and analytics cookies to improve our services. You may control cookies through your browser settings. However, disabling cookies may affect the functionality of our services.

11. Third-Party Links and Services

Our services may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read the privacy policies of any third-party services you access.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, regulatory, or operational reasons. We will notify you of any material changes by:

Posting the updated Privacy Policy on our website
Updating the "Last Updated" date at the top of this policy
Sending you an email notification (for significant changes)

Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

MOOZARS LTD

Registered Office:
Aston House
Newcastle Upon Tyne
NE5 1NB
United Kingdom

Email: info@moozars.com
(For all inquiries including privacy matters. If link doesn't work, copy: info@moozars.com)

Company Registration: Registered in England & Wales

Note: For data protection inquiries specific to your jurisdiction (EU, UK, Hong Kong, US, China, or other), please indicate your location in your correspondence.