Privacy Policy

01Introduction

MAKTUBS LLC ("MAKTUBS", "Company", "we", "our", or "us") respects your privacy and is committed to protecting the personal information entrusted to us.

This Privacy Policy explains how we collect, use, store, disclose, transfer, and protect personal information when individuals and businesses access or use our website, platforms, applications, APIs, products, services, and any other digital or physical channels operated by MAKTUBS (collectively, the "Services").

By accessing or using the Services, you acknowledge that you have read and understood this Privacy Policy.

02Information we collect

Depending on the nature of our relationship with you, we may collect and process the following categories of information.

Identification information

• Full name
• Date of birth
• Nationality
• Government-issued identification documents
• Passport information
• Driver's license information
• Photographs and biometric verification data where legally permitted

Contact information

• Email address
• Telephone number
• Residential or business address
• Mailing address
• Other communication details

Business information

• Company name
• Registration documents
• Articles of incorporation
• Tax identification numbers
• Business licenses
• Corporate ownership information
• Ultimate beneficial ownership information
• Corporate organizational structure

Financial information

• Bank account details
• Payment card information where applicable
• Transaction history
• Source of funds information
• Financial statements
• Banking relationships

Technical information

• IP address
• Browser type
• Device identifiers
• Operating system
• Log files
• Authentication records
• Website activity
• Session information

Compliance information

• Know Your Customer (KYC) records
• Know Your Business (KYB) records
• Anti-Money Laundering (AML) documentation
• Sanctions screening results
• Risk assessment information
• Regulatory compliance information

Communications

• Customer support requests
• Email correspondence
• Telephone recordings where permitted by law
• Communications through our website or platforms

03How we collect information

We may collect information directly from you when:

• You visit our website;
• You create an account;
• You request information regarding our Services;
• You complete onboarding procedures;
• You submit forms or applications;
• You communicate with us;
• You enter into agreements with MAKTUBS;
• You conduct transactions through our Services.

We may also collect information automatically through cookies, analytics technologies, system logs, and security monitoring tools.

Where permitted by law, we may obtain information from:

• Financial institutions;
• Identity verification providers;
• Compliance service providers;
• Public registries;
• Government databases;
• Credit reference agencies;
• Fraud prevention databases;
• Other lawful sources.

04Purposes of processing

We process personal information for legitimate business, operational, legal, regulatory, and security purposes.

Service-related purposes

• Providing and maintaining our Services;
• Processing transactions;
• Managing user accounts;
• Delivering customer support;
• Communicating with users;
• Managing contractual relationships.

Compliance purposes

• Identity verification;
• KYC and KYB procedures;
• AML compliance;
• Sanctions screening;
• Fraud prevention;
• Regulatory reporting;
• Responding to lawful requests from authorities.

Security purposes

• Cybersecurity monitoring;
• Authentication and access control;
• Detection of suspicious activities;
• Protection against unauthorized access;
• Investigation of security incidents.

Business operations

• Internal administration;
• Auditing;
• Risk management;
• Quality assurance;
• Analytics and service improvements;
• Research and development.

Marketing purposes

Where permitted by law, MAKTUBS may send information regarding products, services, updates, promotions, and events. Users may opt out of marketing communications at any time.

05Legal basis for processing

MAKTUBS may process personal information based on one or more of the following grounds:

• Performance of a contract;
• Compliance with legal obligations;
• Protection of legitimate business interests;
• Prevention of fraud and financial crime;
• Protection of users and the Company;
• User consent where required by law.

06Disclosure of information

MAKTUBS may disclose personal information to:

Group companies

Affiliates, subsidiaries, parent companies, and entities under common control.

Service providers

Third-party providers supporting:

• Technology infrastructure;
• Payment processing;
• Identity verification;
• Compliance screening;
• Cloud services;
• Security monitoring;
• Customer support.

Financial institutions

Banks, payment processors, correspondent institutions, settlement providers, and financial partners involved in delivering the Services.

Regulatory authorities

Government agencies, regulators, courts, law enforcement agencies, and competent authorities where disclosure is required by law or necessary to protect legal rights.

Corporate transactions

In connection with mergers, acquisitions, restructurings, investments, financing transactions, or transfers of assets.

We do not sell personal information.

07International data transfers

Because MAKTUBS operates internationally, personal information may be processed, stored, or transferred to jurisdictions outside the country where it was originally collected.

Where such transfers occur, MAKTUBS implements reasonable safeguards designed to ensure that personal information receives an appropriate level of protection.

08Data retention

MAKTUBS retains personal information only for as long as necessary to:

• Provide the Services;
• Fulfill contractual obligations;
• Comply with legal and regulatory requirements;
• Resolve disputes;
• Enforce agreements;
• Maintain compliance records.

Retention periods may extend beyond the termination of a relationship where required by applicable law.

09Information security

MAKTUBS maintains a comprehensive information security framework designed to protect personal information from unauthorized access, misuse, loss, disclosure, alteration, or destruction.

Security measures may include:

• Encryption in transit and at rest;
• Access controls;
• Multi-factor authentication;
• Activity monitoring;
• Security logging;
• Vulnerability management;
• Firewalls and network protection;
• Backup and disaster recovery systems;
• Employee training programs;
• Incident response procedures.

While we implement reasonable safeguards, no method of transmission or storage can be guaranteed to be completely secure.

10Cookies and similar technologies

MAKTUBS may use cookies, web beacons, pixels, analytics tools, and similar technologies to:

• Operate the website;
• Improve user experience;
• Measure website performance;
• Enhance security;
• Analyze usage patterns.

Users may manage cookie preferences through browser settings, although certain features may not function properly if cookies are disabled.

11Your privacy rights

Subject to applicable law, individuals may have the right to:

• Access personal information;
• Correct inaccurate information;
• Request deletion of information;
• Restrict processing;
• Object to certain processing activities;
• Withdraw consent where applicable;
• Request portability of personal information;
• Lodge complaints with competent authorities.

MAKTUBS may require reasonable verification of identity before responding to requests.

12Children's privacy

The Services are not intended for individuals under eighteen (18) years of age.

MAKTUBS does not knowingly collect personal information from minors.

If we become aware that personal information has been collected from a minor without proper authorization, we will take reasonable steps to delete such information.

13Third-party websites

Our website and Services may contain links to third-party websites or platforms.

MAKTUBS is not responsible for the privacy practices, content, security, or policies of third-party services.

Users should review the privacy policies of those third parties independently.

14Changes to this Privacy Policy

MAKTUBS may update this Privacy Policy periodically to reflect changes in legal requirements, business operations, technology, or regulatory obligations.

Updated versions will become effective upon publication on the MAKTUBS website.

Continued use of the Services following publication constitutes acknowledgment of the updated Privacy Policy.

15California privacy disclosures

To the extent applicable, California residents may be entitled to additional privacy rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).

Any such rights shall be exercised in accordance with applicable California law.

16Governing law

This Privacy Policy shall be governed by and interpreted in accordance with the laws of the State of Florida and applicable federal laws of the United States.

17Contacting us

Questions regarding this Privacy Policy or requests relating to personal information may be submitted through the communication channels made available by MAKTUBS through its official website and Services.