Privacy Policy

Last Updated: November 14, 2024

1. Introduction

This Privacy Policy explains how Co-Owned ("we," "us," "our") collects, uses, and protects your personal information when you use our website, mobile applications, and services (collectively, the "Platform").

2. Information We Collect

2.1 Personal Information

  • Name and contact details

  • Financial information

  • Employment information

  • Transaction history

  • Share ownership details

2.2 Automatically Collected Information

  • Device information

  • IP address

  • Browser type

  • Usage patterns

  • Cookies and similar technologies

3. How We Use Your Information

We use collected information to:

  • Provide and improve our services

  • Process share rewards

  • Manage user accounts

  • Analyze platform usage

  • Communicate with users

  • Comply with legal obligations

  • Prevent fraud

4. Information Sharing

4.1 We Share Information With:

  • Participating businesses for share rewards

  • Service providers and partners

  • Legal authorities when required

  • Co-Owned Fund administrators

4.2 We Never:

  • Sell personal information

  • Share information for marketing without consent

  • Disclose more than necessary for service provision

5. Data Security

We implement appropriate security measures to protect your information, including:

  • Encryption

  • Access controls

  • Regular security assessments

  • Staff training

  • Secure data storage

6. Your Rights

You have the right to:

  • Access your personal information

  • Correct inaccurate data

  • Request deletion

  • Withdraw consent

  • Data portability

  • Lodge complaints with supervisory authorities

7. International Data Transfers

We may transfer data internationally, ensuring appropriate safeguards through:

  • Standard contractual clauses

  • Adequacy decisions

  • Data protection agreements

8. Data Retention

We retain personal information for:

  • Duration of account activity

  • Legal compliance periods

  • Legitimate business purposes

9. Children's Privacy

We do not knowingly collect information from children under 16. Parents/guardians should contact us about unauthorized child data collection.

10. Cookies Policy

We use cookies to:

  • Improve user experience

  • Analyze usage patterns

  • Remember preferences

  • Manage authentication

Users can control cookie settings through their browsers.

11. Marketing Communications

We send marketing communications only with:

  • Express consent

  • Clear opt-out options

  • Relevant content

12. Changes to Privacy Policy

We may update this policy periodically. Changes will be posted on the Platform with an updated date.

13. Contact Information

For privacy inquiries: hello@co-owned.com

14. Legal Basis for Processing

We process personal data under:

  • Contractual necessity

  • Legal obligations

  • Legitimate interests

  • Consent

15. Data Protection Officer

Our Data Protection Officer can be contacted at: [DPO Contact Information]