Privacy Policy

This Privacy Policy explains how MEiQ collects, uses, and protects your information when using our services.

1. Introduction

MEiQ ("we", "our", or "us") operates the website www.meiqmb.com and provides financial intelligence, data analytics, and AI-powered insights (the "Services").

We are committed to protecting your personal data and complying with the General Data Protection Regulation (GDPR) and applicable financial data protection standards.

2. Data Controller

MEiQ
Email: info@meiqmb.com
MEiQ acts as the data controller for personal data collected through this website and related services.

3. Personal Data We Collect

3.1 Information You Provide

• Full name
• Email address
• Company name
• Phone number
• Country
• Any information submitted via forms or communication channels

3.2 Automatically Collected Data

• IP address
• Browser type and device information
• Pages visited and interaction data
• Cookies and tracking technologies

3.3 Financial & Technical Data (if applicable)

Depending on your use of MEiQ services:

• Transaction metadata (not full payment credentials)
• Risk scoring and behavioral analytics
• API usage data
• Device fingerprinting (fraud prevention)

4. Legal Basis for Processing (GDPR)

We process personal data under the following legal bases:

• Consent (Art. 6(1)(a)) – when you submit forms or accept cookies
• Contractual necessity (Art. 6(1)(b)) – to provide services
• Legal obligation (Art. 6(1)(c)) – compliance with financial regulations
• Legitimate interests (Art. 6(1)(f)) – fraud prevention, service improvement, security

5. How We Use Your Data

We use your data to:

• Provide and operate our Services
• Communicate with you and respond to inquiries
• Deliver AI-driven financial insights
• Monitor and prevent fraud, abuse, and security threats
• Improve performance, analytics, and user experience
• Comply with legal and regulatory obligations

6. Financial Data & Security

MEiQ applies enhanced safeguards:

• We do not store full payment card details unless explicitly stated
• Data is encrypted in transit (TLS/SSL) and at rest
• Access controls and monitoring systems are enforced
• Fraud detection and anomaly monitoring systems are used

7. Data Sharing & Third Parties

We may share data with:

• Cloud infrastructure providers
• Analytics and monitoring providers
• Payment processors and financial partners
• Regulatory authorities (if legally required)

All third parties are required to process data securely, comply with GDPR, and sign Data Processing Agreements (DPAs).

8. International Data Transfers

Your data may be transferred outside the European Economic Area (EEA). In such cases, we ensure appropriate safeguards, including Standard Contractual Clauses (SCCs) and Adequacy decisions by the European Commission.

9. Data Retention

We retain personal data only as long as necessary:

• Contact data: up to 24 months after last interaction
• Technical logs: up to 12 months
• Financial/compliance data: as required by law

10. Your Rights (GDPR)

You have the right to:

• Access your data
• Rectify inaccurate data
• Request deletion ("Right to be Forgotten")
• Restrict processing
• Data portability
• Object to processing
• Withdraw consent at any time

To exercise your rights, contact: info@meiqmb.com

11. Cookies & Tracking

We use cookies for website functionality, analytics, and performance optimization. You can manage or disable cookies via your browser settings.

12. Data Security Measures

We implement encryption (TLS/SSL), secure servers, access control, and continuous monitoring. Despite this, no system is 100% secure.

13. Children's Privacy

Our services are not intended for individuals under 18. We do not knowingly collect data from minors.

14. Changes to This Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised date.