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Privacy Policy

Effective Date: January 2, 2026

Pinov Inc. & Pinov Pty Ltd

Introduction

At Pinov Inc, protecting your privacy and ensuring a secure user experience are our top priorities. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you engage with our digital currency exchange services or visit our website or mobile application.

By using our services, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and disclosure of your information as described herein.

1

Information We Collect

We collect information necessary to provide secure and compliant digital currency exchange services:

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Personal Identification

  • β€’ Full name and date of birth
  • β€’ Government-issued ID documents
  • β€’ Residential address proof
  • β€’ Nationality information
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Contact Information

  • β€’ Email address
  • β€’ Phone number
  • β€’ Mailing address
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Financial Information

  • β€’ Bank account details
  • β€’ Transaction history
  • β€’ Wallet addresses
  • β€’ Source of funds
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Technical Information

  • β€’ IP address & device IDs
  • β€’ Browser & OS data
  • β€’ Access logs
  • β€’ Cookies & tracking
βœ…

Verification & Compliance

  • β€’ Identity verification results
  • β€’ Due diligence documentation
  • β€’ Transaction monitoring data
  • β€’ Support communications
2

How We Use Your Information

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Service Provision

  • Processing digital currency exchange transactions
  • Managing accounts and providing customer support
  • Facilitating deposits, withdrawals, and transfers
  • Providing transaction confirmations and statements
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Legal & Regulatory Compliance

  • Verifying identity (KYC requirements)
  • Complying with AML/CTF obligations
  • Meeting FINTRAC & AUSTRAC reporting requirements
  • Responding to lawful requests from authorities
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Security & Fraud Prevention

  • Detecting and preventing fraudulent activities
  • Monitoring suspicious transactions
  • Protecting against unauthorized access
  • Maintaining platform integrity
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Service Improvement

  • Enhancing platform functionality and user experience
  • Conducting research and analytics
  • Sending service updates and notifications
  • Providing customer support
4

How We Protect Your Information

Technical Safeguards

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Encryption

Industry-standard SSL/TLS encryption for all data transmission and encrypted storage

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Multi-Factor Authentication

Optional MFA for enhanced account security

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Regular Security Testing

Continuous vulnerability assessments and penetration testing

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Secure Data Centers

Physical and environmental controls with secure infrastructure

Organizational Safeguards

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Access Controls

Strict data access limited to authorized personnel only

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Employee Training

Comprehensive data protection and confidentiality training programs

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Confidentiality Agreements

Binding agreements with all employees and service providers

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Incident Response

Established procedures for security incidents and breach notifications

Important: While we employ robust security measures, no system is completely secure. We cannot guarantee absolute security but remain committed to protecting your information using industry best practices.

5

Sharing Your Information

We do not sell, rent, or trade your personal information.

We may share your information only in the following circumstances:

Service Providers & Partners

We engage trusted third-party service providers including:

  • β€’ Identity verification and KYC/AML screening services
  • β€’ Payment processors and banking partners
  • β€’ Cloud hosting and data storage providers
  • β€’ Customer support and communication platforms
  • β€’ Analytics and fraud detection services

All service providers are bound by confidentiality agreements and authorized to use your information only as necessary.

Regulatory & Legal Authorities

We may disclose your information to:

  • β€’ FINTRAC (Financial Transactions and Reports Analysis Centre of Canada)
  • β€’ AUSTRAC (Australian Transaction Reports and Analysis Centre)
  • β€’ Law enforcement agencies in response to lawful requests
  • β€’ Courts and tribunals when required by legal process
  • β€’ Other regulatory bodies as required by applicable law

Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred to the successor entity, subject to the same privacy protections.

With Your Consent

We may share your information with third parties when you provide explicit consent for specific purposes.

6

International Data Transfers

As we operate in multiple jurisdictions (Canada and Australia), your personal information may be transferred to, stored, and processed in countries other than your country of residence.

We ensure appropriate safeguards are in place, including:

  • Standard contractual clauses approved by relevant authorities
  • Ensuring recipients are subject to privacy laws providing adequate protection
  • Implementing additional security measures for cross-border transfers

Note: Your information may be subject to access by law enforcement and regulatory authorities in accordance with the laws of the jurisdiction where it is stored or processed.

7

Your Privacy Rights

Depending on your jurisdiction, you have the following rights regarding your personal information:

Right to Access

Request a copy of your personal information

Right to Correction

Request correction of inaccurate or incomplete information

Right to Deletion

Request deletion of your information (subject to legal requirements)

Right to Object

Object to certain processing activities, including direct marketing

Right to Restriction

Request that we limit how we use your information

Right to Portability

Request data in a structured, commonly used format

Right to Withdraw Consent

Withdraw consent for processing based on consent

Right to Lodge Complaint

File a complaint with privacy regulatory authorities

To exercise these rights, please contact us at compliance@pinovx.com. We will respond within the timeframe required by applicable law.

Please note that certain rights may be limited by legal or regulatory obligations, particularly regarding AML/CTF compliance.

8

Data Retention

We retain your personal information for as long as necessary to:

Provide our services and maintain your account
Comply with legal and regulatory obligations
Resolve disputes and enforce our agreements
Prevent fraud and ensure security

Specific Retention Periods:

Account Information

Duration of account + 7 years after closure

Transaction Records

Minimum 7 years (AML/CTF requirement)

Identity Verification Documents

Minimum 7 years from end of relationship

Communications Records

Minimum 7 years

Marketing Preferences

Until consent withdrawal or cessation of marketing

After the retention period expires, we securely delete or anonymize your information in accordance with our data disposal policies.

9

Cookies and Tracking Technologies

Our website and mobile application use cookies and similar technologies to enhance user experience and improve our services.

Types of Cookies We Use:

Essential Cookies

Necessary for website functionality and security. These cookies cannot be disabled.

Examples:

  • β€’ Session management
  • β€’ Security tokens
  • β€’ Load balancing

Performance Cookies

Help us understand how visitors use our website to improve performance.

Examples:

  • β€’ Page load times
  • β€’ Error tracking
  • β€’ Usage analytics

Functional Cookies

Remember your preferences and settings for a better experience.

Examples:

  • β€’ Language preferences
  • β€’ Display settings
  • β€’ Remembered choices

Analytics Cookies

Collect information about website usage and performance metrics.

Examples:

  • β€’ Google Analytics
  • β€’ User behavior
  • β€’ Traffic sources

Managing Cookies

You can control cookies through your browser settings. Most browsers allow you to refuse or delete cookies.

Please note that disabling certain cookies may affect website functionality and your ability to access certain features.

Third-Party Cookies

We may use third-party analytics services (such as Google Analytics) that use cookies. These third parties have their own privacy policies governing their use of information.

10

Children's Privacy

Our services are not intended for individuals under 18 years of age.

We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at compliance@pinovx.com, and we will take steps to delete such information.

What to do if you discover unauthorized use:

  1. 1. Contact us immediately via email or phone
  2. 2. Provide details about the account or information in question
  3. 3. We will verify the claim and take immediate action
  4. 4. All data will be permanently deleted from our systems
11

Marketing Communications

With your consent (where required by law), we may send you promotional communications about our services, special offers, and updates.

You can opt out of marketing communications at any time by:

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Email Unsubscribe

Clicking the "unsubscribe" link in our emails

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Direct Contact

Contacting us at support@pinovx.com

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Account Settings

Updating your communication preferences in your account settings

Important Note: Even if you opt out of marketing communications, we will still send you essential service-related communications regarding your account and transactions.

13

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, technology, or business operations.

When we make material changes, we will:

1

Post the Updated Policy

Display the revised policy on our website and mobile application with a new effective date

2

Notify You

Send notification via email or through a prominent notice on our platform

3

Obtain Consent

Request your consent where required by applicable law

4

Provide Time to Review

Give you reasonable time to review the changes before they take effect

Your Continued Use: We encourage you to review this Privacy Policy regularly to stay informed about how we protect your information.

Your continued use of our services after changes become effective constitutes acceptance of the updated policy.

14

Contact & Regulatory Information

If you have questions, concerns, or wish to exercise your privacy rights, please contact us. We will respond to your inquiry within 30 days of receipt.

πŸ“žContact Us

General Inquiries & Support

Email: support@pinovx.com

Phone: +1 437-696-0800

Privacy & Compliance

Email: compliance@pinovx.com

πŸ“Office Locations

πŸ‡¨πŸ‡¦Canada Office

180 Northfield Dr W

Waterloo, ON N2L 0C7, Canada

Business Number: 1591582-1

FINTRAC MSB: C100000263

πŸ‡¦πŸ‡ΊAustralia Office

232 Unley Rd

Unley SA 5061, Australia

ACN: 682 072 608

AUSTRAC DCE: DCE100884196-001

Privacy Regulatory Authority Contacts

πŸ‡¨πŸ‡¦Canada

Office of the Privacy Commissioner of Canada

www.priv.gc.ca

πŸ‡¦πŸ‡ΊAustralia

Office of the Australian Information Commissioner (OAIC)

www.oaic.gov.au
Last Updated: January 2, 2026

This Privacy Policy is regularly reviewed and updated to ensure compliance with evolving regulations.

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