política de Privacidade

Política de Privacidade - o básico

1. Scope of This Privacy Policy

This policy applies to:

• Users of QuickPe applications and platforms

• Customers undergoing digital onboarding and eKYC

• Individuals interacting with QuickPe agents or offline partners

• Merchants and partners using QuickPe services

This policy covers all personal data, including biometric data, identity documents, and recorded verification sessions, where permitted by law.

2. Information We Collect

2.1 Personal Identification Information

We may collect:

• Full name

• Date of birth

• Mobile number

• Address (self-declared or document-based)

2.2 Identity Documents (KYC Data)

For identity verification, we may collect copies or images of officially recognized identity documents, such as:

• Passport

• National or regional identity card

• Voter / electoral ID

• Driving license

• Residency or permit documents

QuickPe does not mandate or depend on any single country-specific ID system.

2.3 Biometric & Visual Data

We may collect:

• Live selfies

• Facial images extracted from identity documents

• Short video recordings for liveness detection

• Facial match and fraud-prevention signals

These are processed using AI-based systems and, where required, human verification.

2.4 Video Verification Data

During assisted verification, we may collect:

• Recorded video calls with user consent

• Verbal confirmations of identity attributes

• Screenshots or still images captured during the call

All video interactions are consent-based and recorded solely for verification and audit purposes.

2.5 Technical & Usage Data

Automatically collected information may include:

• Device information

• IP address

• Browser or app metadata

• Log files and timestamps

3. Purpose of Data Processing

QuickPe processes personal data for the following purposes:

• Digital onboarding and identity verification (eKYC)

• Fraud prevention and risk assessment

• Compliance with KYC, AML, and counter-terrorism financing requirements

• Credit readiness evaluation and eligibility checks

• Customer support and dispute resolution

• Audit, regulatory reporting, and record keeping

• Platform security and service improvement

4. Legal Basis for Processing

Depending on jurisdiction, we process personal data based on:

• User consent

• Contractual necessity

• Legal and regulatory obligations

• Legitimate business interests, such as fraud prevention and security

Where consent is required, it is obtained explicitly, including for video recording and biometric processing.

5. AI & Automated Processing

QuickPe uses automated systems and artificial intelligence to:

• Perform OCR on identity documents

• Detect liveness and prevent spoofing

• Match facial images

• Identify potential fraud or inconsistencies

Automated decisions that impact eligibility are reviewed or supplemented by human verification where required.

6. Human-Assisted Verification

In certain cases, QuickPe may conduct assisted verification through trained agents.

These agents:

• Verify identity details during recorded video calls

• Follow strict internal SOPs and confidentiality obligations

• Do not use data for any purpose beyond verification

7. Data Sharing & Disclosure

We may share data only with:

• Authorized verification agents

• Trusted technology service providers (OCR, AI, hosting)

• Offline partners assisting in onboarding (under contractual safeguards)

• Regulators, law enforcement, or authorities when legally required

We do not sell personal data to third parties.

8. Result & Credit Readiness Status

Following successful verification:

• User profiles may be marked as Verified or Credit-Ready

• This status is used solely for service eligibility and risk assessment

• Verification results may be reused across QuickPe services, where permitted

9. Data Retention

We retain personal data:

• For as long as required by applicable laws and regulations

• For audit, compliance, and dispute resolution purposes

• For the duration necessary to provide services

After the retention period, data is securely deleted or anonymized.

10. Data Security

QuickPe implements:

• Encryption at rest and in transit

• Role-based access controls

• Secure infrastructure and monitoring

• Internal access logs and audits

Despite best efforts, no system is completely secure. Users acknowledge and accept inherent digital risks.

11. User Rights

Subject to applicable laws, users may have the right to:

• Access their personal data

• Correct inaccurate data

• Withdraw consent (where applicable)

• Request deletion or restriction of processing

• Raise complaints with relevant authorities

Requests can be submitted to: [privacy@quickpe.xxx]

12. Cross-Border Data Transfers

As a global platform, QuickPe may process and store data across multiple jurisdictions.

Appropriate safeguards are implemented to ensure data protection consistent with this policy.

13. Children’s Data

QuickPe services are not intended for minors. We do not knowingly collect personal data from individuals below the legally permitted age.

14. Policy Updates

This Privacy Policy may be updated periodically.

Material changes will be communicated through our platform or website.