This Privacy Policy shall be effective for all customers on 22 March 2020.

Last updated 22nd March 2020

1. INTRODUCTION

1.1 Application

We at DEX Limited (“DEX”) respect and protect the privacy of visitors to our websites and our service users. This Privacy Policy describes our information handling practices when you access our services, which include our content on our website located at dex.ae, or any other websites, pages, features, or content we own or operate (collectively, the Website), any DEX API or third party applications relying on such an API, and related services (referred to collectively hereinafter as the Services). Please take a moment to read this Privacy Policy carefully.

We take your privacy seriously and want you to feel comfortable whenever you use our Services or provide us with your personal information. We will process your data in accordance with the laws of the United Arab Emirates, as applicable, and the Abu Dhabi Global Market (ADGM), including the Abu Dhabi Global Market Data Protection Regulations 2015, and we are committed to responsible information handling practices. We have set out our approach to handling your information collected in connection with DEX in this Privacy Policy.

1.2 About DEX

1.2.1.   DEX is a company limited by shares, incorporated in the ADGM (with ADGM Commercial License Number: 000002905) having its registered office at office 609, 6th Floor, Al Sila Tower, Abu Dhabi Global Markets Square DEX Limited is referred to in this Notice as ‘DEX’, ‘we’, ‘us’ or ‘our’).

1.2.2.   DEX is a wholly owned subsidiary of DEX Holding Limited, a private company limited by shares incorporated in the ADGM having its registered office at 24th Floor, Al Sila Tower, ADGM Square, Abu Dhabi, United Arab Emirates.

2. ACCEPTANCE OF THIS PRIVACY POLICY

2.1.1.   By accessing and using our Services, you signify acceptance to the terms of this Privacy Policy. Where we require your consent to process your personal information, we will ask for your consent to the collection, use, and disclosure of your personal information as described further below. We may provide additional “just-in-time” disclosures or information about the data processing practices of specific Services. These notices may supplement or clarify our privacy practices or may provide you with additional choices about how we process your data.

2.1.2.   If you do not agree with or you are not comfortable with any aspect of this Privacy Policy, you should immediately discontinue access or use of our Services.

3. CHANGES TO THIS PRIVACY POLICY

We may modify this Privacy Policy from time to time and any changes will be posted on the Website or application and will be indicated by changing the date at the top of this page. Changes may be notified to you if you are a service user and have not opted-out of receiving notifications. We recommend that you consult this page regularly to view the latest version of the Privacy Policy. By continuing to use the Services, you will be deemed to accept the changes to this Privacy Policy.

4. THE PERSONAL INFORMATION WE COLLECT

Personal information is data that identifies an individual or relates to an identifiable individual. This includes information you provide to us, information which is collected about you automatically, and information we obtain from third parties.

4.1. Information you provide to us

4.1.1. To establish an online account with DEX and access our Services, we will ask you to provide us with some important information about you. This information is either required by law (e.g. to verify your identity), necessary to provide the requested services (e.g. you will need to provide your bank account number if you’d like to link that account to DEX), or is relevant for certain specified purposes, described in greater detail below. As we add new features and Services, you may be asked to provide additional information.

4.1.2. Please note that we may not be able to serve you as effectively or offer you our Services if you choose not to share certain information with us. Any information you provide to us that is not required is voluntary.

4.1.3. We may collect the following types of information from you:
a. Personal Identification Information: Full name, date of birth, nationality, gender, signature, utility bills, photographs, phone number, home address, and/or email.
b. Formal Identification Information: Government issued identity document such as Passport, Driver’s License, National Identity Card, passport number, driver’s license details, national identity card details, visa information, and/or any other information deemed necessary to comply with our legal obligations under financial or anti-money laundering laws.
c. Institutional Information: Employer Identification number (or comparable number issued by a government), proof of legal formation (e.g. Articles of Association), personal identification information for all material beneficial owners.
d. Financial Information: Bank account information, payment card primary account number (PAN), transaction history, trading data, and/or tax identification.
e. Transaction Information: Information about the transactions you make on the Exchange or any deposits or withdrawals of Fiat Currency, such as the name of the recipient, your name, the amount, and/or timestamp.
f. Employment Information: Office location, job title, and/or description of role of any Authorised Representative you may appoint.
g. Correspondence: Survey responses, information provided to our support team or user research team.

4.2. Information we collect from you automatically

4.2.1. We receive and store certain types of information automatically, such as whenever you interact with the Sites or use the Services. This information helps us address customer support issues, improve the performance of our Sites and applications, provide you with a streamlined and personalized experience, and protect your account from fraud by detecting unauthorized access. Information collected automatically includes:
a. Online Identifiers: Geo location/tracking details, browser fingerprint, operating system, browser name and version, and/or personal IP addresses.
b. Usage Data: Authentication data, security questions, click-stream data, public social networking posts, and other data collected via cookies and similar technologies. Please read our Cookie Policy for more information.
4.2.2. For example, we may automatically receive and record the following information on our server logs:
a. How you came to and use the Services;
b. Device type and unique device identification numbers;
c. Device event information (such as crashes, system activity and hardware settings, browser type, browser language, the date and time of your request and referral URL);
d. How your device interacts with our Sites and Services, including pages accessed and links clicked;
e. Broad geographic location (e.g. country or city-level location); and
f. Other technical data collected through cookies, pixel tags and other similar technologies that uniquely identify your browser.

4.2.3. We may also use identifiers to recognize you when you access our Sites via an external link, such as a link appearing on a third-party site.

4.3. Information we collect from you automatically

4.3.1. We receive and store certain types of information automatically, such as whenever you interact with the Sites or use the Services. This information helps us address customer support issues, improve the performance of our Sites and applications, provide you with a streamlined and personalized experience, and protect your account from fraud by detecting unauthorized access. Information collected automatically includes:

a. Online Identifiers: Geo location/tracking details, browser fingerprint, operating system, browser name and version, and/or personal IP addresses.
b. Usage Data: Authentication data, security questions, click-stream data, public social networking posts, and other data collected via cookies and similar technologies. Please read our Cookie Policy for more information.

4.3.2. For example, we may automatically receive and record the following information on our server logs:
a. How you came to and use the Services;
b. Device type and unique device identification numbers;
c. Device event information (such as crashes, system activity and hardware settings, browser type, browser language, the date and time of your request and referral URL);
d. How your device interacts with our Sites and Services, including pages accessed and links clicked;
e. Broad geographic location (e.g. country or city-level location); and
f. Other technical data collected through cookies, pixel tags and other similar technologies that uniquely identify your browser.

We may also use identifiers to recognize you when you access our Sites via an external link, such as a link appearing on a third-party site.

4.4. Information collected from third parties

4.4.1. From time to time, we may obtain information about you from third party sources as required or permitted by applicable law. These sources may include:

a. Public Databases, Credit Bureaus & ID Verification Partners: We obtain information about you from public databases and ID verification partners for purposes of verifying your identity in accordance with applicable law. ID verification partners use a combination of government records and publicly available information about you to verify your identity. Such information may include your name, address, job role, public employment profile, credit history, status on any sanctions lists maintained by public authorities, and other relevant data. We obtain such information to comply with our legal obligations, such as anti-money laundering laws. In some cases, we may process additional data about you to ensure our Services are not used fraudulently or for other illicit activities. In such instances, processing is necessary for us to continue to perform our contractual obligations with you and others.
b. Blockchain Data: We may analyze public blockchain data to ensure parties utilizing our Services are not engaged in illegal or prohibited activity under our Terms, and to analyze transaction trends for research and development purposes.
c. Joint Marketing Partners & Resellers: For example, unless prohibited by applicable law, joint marketing partners or resellers may share information about you with us so that we can better understand which of our Services may be of interest to you.
d. Advertising Networks & Analytics Providers: We work with these providers to provide us with de-identified information about how you found our Sites and how you interact with the Sites and Services. This information may be collected prior to account creation – for more information on how you can manage collection of this data, please see our Cookie Policy.

4.5. ANONYMIZED AND AGGREGATED DATA

4.5.1. Anonymization is a data processing technique that removes or modifies personal information so that it cannot be associated with a specific individual. Except for this section, none of the other provisions of this Privacy Policy applies to anonymized or aggregated customer data (i.e. information about our customers that we combine together so that it no longer identifies or references an individual customer).
4.5.2. DEX may use anonymized or aggregate customer data for any business purpose, including to better understand customer needs and behaviors, improve our products and services, conduct business intelligence and marketing, and detect security threats. We may perform our own analytics on anonymized data or enable analytics provided by third parties.
4.5.3. Types of data we may anonymize include, transaction data, click-stream data, performance metrics, and fraud indicators

5. HOW YOUR PERSONAL INFORMATION IS USED

5.1.1. Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We generally use personal information to create, develop, operate, deliver, and improve our Services, content and advertising; and for loss prevention and anti-fraud purposes.

5.1.2. We may use this information in the following ways:

1) To maintain legal and regulatory compliance

Most of our core Services are subject to laws and regulations requiring us to collect, use, and store your personal information in certain ways. For example, DEX must identify and verify customers using our Services in order to comply with anti-money laundering laws across jurisdictions. This includes collection and storage of your photo identification. In addition, we use third parties to verify your identity by comparing the personal information you provide against third-party databases and public records. When you seek to link a bank account to your DEX Account, we may require you to provide additional information which we may use in collaboration with service providers acting on our behalf to verify your identity or address, and/or to manage risk as required under applicable law. If you do not provide personal information required by law, we will have to close your account.

2) To enforce our terms in our user agreement and other agreements

DEX handles sensitive information, such as your identification and financial data, so it is very important for us and our customers that we actively monitor, investigate, prevent, and mitigate any potentially prohibited or illegal activities, enforce our agreements with third parties, and/or prevent and detect violations of our posted user agreement or agreements for other Services. In addition, we may need to collect fees based on your use of our Services. We collect information about your account usage and closely monitor your interactions with our Services. We may use any of your personal information collected for these purposes. The consequences of not processing your personal information for such purposes is the termination of your account.

3) To detect and prevent fraud and/or funds loss

We process your personal information in order to help detect, prevent, and mitigate fraud and abuse of our services and to protect you against account compromise or funds loss.

4) To provide DEX’s Services

We process your personal information to provide the Services to you. For example, when you want to store funds on our platform, we require certain information such as your identification, contact information, and payment information. We cannot provide you with Services without such information.

5) To provide Service communications

We send administrative or account-related information to you to keep you updated about our Services, inform you of relevant security issues or updates, or provide other transaction-related information. Without such communications, you may not be aware of important developments relating to your account that may affect how you can use our Services. You may not opt-out of receiving critical service communications, such as emails or mobile notifications sent for legal or security purposes.

6) To provide customer service

We process your personal information when you contact us to resolve any questions, disputes, collect fees, or to troubleshoot problems. Without processing your personal information for such purposes, we cannot respond to your requests and ensure your uninterrupted use of the Services.

7) To ensure quality control

We process your personal information for quality control and staff training to make sure we continue to provide you with accurate information. If we do not process personal information for quality control purposes, you may experience issues on the Services such as inaccurate transaction records or other interruptions.

8) To ensure network and information security

We process your personal information in order to enhance security, monitor and verify identity or service access, combat spam or other malware or security risks and to comply with applicable security laws and regulations. The threat landscape on the internet is constantly evolving, which makes it more important than ever that we have accurate and up-to-date information about your use of our Services. Without processing your personal information, we may not be able to ensure the security of our Services.

9) For research and development purposes

We process your personal information to better understand the way you use and interact with DEX’s Services. In addition, we use such information to customise, measure, and improve DEX’s Services and the content and layout of our website and applications, and to develop new services. Without such processing, we cannot ensure your continued enjoyment of our Services.

10) To enhance your experience

We process your personal information to provide a personalized experience, and implement the preferences you request. For example, you may choose to provide us with access to certain personal information stored by third parties. Without such processing, we may not be able to ensure your continued enjoyment of part or all of our Services.

11) To facilitate corporate acquisitions, mergers, or transactions

We may process any information regarding your account and use of our Services as is necessary in the context of corporate acquisitions, mergers, or other corporate transactions. You have the option of closing your account if you do not wish to have your personal information processed for such purposes.

12) To engage in marketing activities

Based on your communication preferences, we may send you marketing communications (e.g. emails or mobile notifications) to inform you about our events or our partner events; to deliver targeted marketing; and to provide you with promotional offers. Our marketing will be conducted in accordance with your advertising marketing preferences and as permitted by applicable law.

13) For any purpose

We may disclose your personal information for any purpose you consent to.
The following chart summarizes how we use the categories of personal information we collect from consumers:

Personal Information Category (see “The Personal Information We Collect” heading above for more information) Sources of Personal Information Purpose of Collecting Personal Information Disclosure of Personal Information (see “Why We Share Personal Information With Other Parties” heading below for more information)
(A) Identifiers such as Personal Identification Information Information you provide us; Information collected from third parties Sections 1, 2, 3, 4, 5, 6, 8, 9, 11, 12 – Third party identity verification services
– Financial institutions
– Service providers
– Professional advisors
(B) Customer records such as signature Information you provide us; Information collected from third parties Sections 1, 2, 5, 6, 11 – Third party identity verification services
– Financial institutions
– Service providers
(C) Commercial information such as records of services purchased, obtained, or considered Information you provide us; Information we collect from you automatically; Information collected from third parties Section 3, 4, 5, 6, 8, 9, 10, 11, 12 – Third party identity verification services
– Financial institutions
– Service providers
– Professional advisors
(D) Biometric information Information you provide us Section 1 – Third party identity verification services
– Financial institutions
(E) Usage Data Information we collect from you automatically Sections 2, 3, 4, 6, 7, 8, 9, 10, 12 – Third party identity verification services
– Service providers
– Professional advisors
(F) Online Identifiers Information we collect from you automatically Sections 1, 3, 9, 12 – Third party identity verification services
– Service Providers
(G) Sensory data, such as audio, electronic, visual information Not collected Not applicable Not applicable
(H) Professional or employment-related information Information you provide us; Information collected from third parties Sections 1, 12 – Third party identity verification services
– Service providers
(I) Inferences about preferences, characteristics, predispositions, etc. Information you provide us; Information we collect from you automatically Sections 9, 10, 12 – Service providers
– Professional advisors

We will not use your personal information for purposes other than those purposes we have disclosed to you, without your permission. From time to time, and as required under the applicable law, we may request your permission to allow us to share your personal information with third parties. You may opt out of having your personal information shared with third parties, or allowing us to use your personal information for any purpose that is incompatible with the purposes for which we originally collected it or subsequently obtained your authorisation. If you choose to so limit the use of your personal information, certain features or DEX Services may not be available to you.

6. EEA DATA SUBJECTS

6.1. Legal Bases for Processing your Information

6.1.1. For individuals who are located in the European Economic Area, United Kingdom or Switzerland (collectively “EEA Residents”) at the time their personal data is collected, we rely on legal bases for processing your information under Article 6 of the EU General Data Protection Regulation (“GDPR”). We generally only process your data where we are legally required to, where processing is necessary to perform any contracts we entered with you (or to take steps at your request prior to entering into a contract with you), for our legitimate interests to operate our business or to protect DEX’s or your, property, rights, or safety, or where we have obtained your consent to do so. Below is a list of the purposes described in our policy with the corresponding legal bases for processing.

Section & Purpose of Processing Legal Bases for Processing
(2) To enforce our terms in our user agreement and other agreements
(4) To provide DEX’s Services
(5) To provide Service communications
(6) To provide customer service
(7) To ensure quality control
Based on our contract with you or to take steps at your request prior to entering into a contract.
(9) For research and development purposes
(10) To enhance your experience
(11) To facilitate corporate acquisitions, mergers, or transactions
(12) To engage in direct marketing activities
Based on our legitimate interests. When we process your personal data for our legitimate interests we always ensure that we consider and balance any potential impact on you and your rights under data protection laws.
(1) To maintain legal and regulatory compliance
(3) To detect and prevent fraud and/or funds loss
(8) To ensure network and information security
Based on our legal obligations. obligations, the public interest, or in your vital interests.
(10) To enhance your experience
(12) To engage in third party marketing activities
(13) For any purpose
Based on your consent.

6.2. Marketing

6.2.1. Direct Marketing: Direct marketing includes any communications to you that are only based on advertising or promoting our products and services. We will only contact you by electronic means (email or SMS) based on our legitimate interests, as permitted by applicable law, or your consent. To the extent we can rely on legitimate interest under the applicable law, we will only send you information about our Services that are similar to those which were the subject of a previous sale or negotiations of a sale to you. If you are a new service user, we will contact you by electronic means for marketing purposes only if you have consented to such communication. If you do not want us to send you marketing communications, please go to your account settings to opt-out or submit a request via your Online Account. You may raise such objection with regard to initial or further processing for purposes of direct marketing, at any time and free of charge. Direct marketing includes any communications to you that are only based on advertising or promoting our products and services.

6.2.2. Third Party Marketing: We will obtain your express consent before we share your personal information with any third parties for marketing purposes.

7. WHY WE SHARE PERSONAL INFORMATION WITH OTHER PARTIES

7.1. Scope of access

7.1.1. We take care to allow your personal information to be accessed only by those who require access to perform their tasks and duties, and to share only with third parties who have a legitimate purpose for accessing it. DEX will never sell or rent your personal information to third parties without your explicit consent. We will only share your information in the circumstances outlined in the following paragraphs:

a. With other Service Uses for the purposes of the transactions on the DEX exchange.

b. With intermediaries or other third parties with a need to know such information for transaction to complete.

7.1.2. With third party identity verification services in order to prevent fraud. This allows DEX to confirm your identity by comparing the information you provide us to public records and other third party databases. These service providers may create derivative data based on your personal information that can be used solely in connection with the provision of identity verification and fraud prevention services. For example:

a. We use best in class third party service providers to run services on our behalf. This may includes mandatory sanction checks and biometric software providers that verify your identify by determining whether a selfie you take matches the photo in your identity document. The information collected from your photo may include biometric data

b. We may also use third party service providers to detect and prevent fraudulent activity on your account using real time surveillance software.

c. With financial institutions with which we partner to process payments you have authorized.

7.1.3. With service providers under contract who help with parts of our business operations. Our contracts require these service providers to only use your information in connection with the services they perform for us, and prohibit them from selling your information to anyone else. Examples of the types of service providers we may share personal information with (other than those mentioned above) include:

a. Network infrastructure

b. Cloud storage

c. Payment processing

d. Transaction monitoring

e. Security

f. Document repository services

g. Customer support

h. Internet (e.g. ISPs)

i. Data analytics

j. Information Technology

k. Marketing

l. In the event of a sale or merger to the prospective buyer(s) of the business and their professional advisors, although will take reasonable steps to disclosure your personal information where necessary to do so.

m. With companies or other entities that purchase DEX assets pursuant to a court-approved sale or where we are required to share your information pursuant to insolvency law in any applicable jurisdiction.

n. With our professional advisors who provide banking, legal, compliance, insurance, accounting, or other consulting services in order to complete third party financial, technical, compliance and legal audits of our operations or otherwise comply with our legal obligations.

o. With law enforcement, officials, or other third parties when we are compelled to do so by a subpoena, court order, or similar legal procedure, or when we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement or any other applicable policies.

7.1.4. Where possible we will use commercially reasonable efforts to require each such recipient to take steps to ensure that your personal information is kept secure. However, DEX shall not be liable for any unauthorized use of your personal information.

7.1.5. If you establish a DEX Account indirectly on a third party website or via a third party application, any information that you enter on that website or application (and not directly on a DEX website) will be shared with the owner of the third party website or application and your information will be subject to their privacy policies.

8. THIRD-PARTY SITES AND SERVICES

8.1.1. If you authorize one or more third-party applications to access your online account, then information you have provided to DEX may be shared with those third parties. A connection you authorize or enable between your online account and a non-DEX account, payment instrument, or platform is considered an “account connection.” Unless you provide further authorisation, these third parties are not allowed to use this information for any purpose other than to facilitate your transactions using the Services. Please note that third parties you interact with may have their own privacy policies, and DEX is not responsible for their operations. Information collected by third parties, which may include such things as contact details or location data, is governed by their privacy practices. We encourage you to learn about the privacy practices of those third parties.

8.1.2. Examples of account connections include:
a. Merchants: If you use your DEX account to conduct a transaction with a third-party merchant, the merchant may provide data about you and your transaction to us.
b. Your Financial Services Providers: For example, if you send us funds from your bank account, your bank will provide us with identifying information in addition to information about your account in order to complete the transaction.

8.1.3. Information that we share with a third-party based on an account connection will be used and disclosed in accordance with the third-party’s privacy practices. Please review the privacy notice of any third-party that will gain access to your personal information

9. HOW WE PROTECT AND STORE PERSONAL INFORMATION

9.1 Key Requirement

9.1.1. We understand how important your privacy is, which is why DEX maintains (and contractually requires third parties it shares your information with to maintain) appropriate physical, technical and administrative safeguards to protect the security and confidentiality of the personal information you entrust to us.

9.2. Details of Protection

9.2.1. We may store and process all or part of your personal and transactional information, including certain payment information, such as your encrypted bank account and/or routing numbers, where our facilities or our service providers are located. We protect your personal information by maintaining physical, electronic, and procedural safeguards in compliance with the applicable laws and regulations.

9.2.2. For example, we use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities. Full card data is securely transferred and hosted off-site by our partner payment vendors in compliance with Payment Card Industry Data Security Standards (PCI DSS). This information is not accessible to DEX or DEX staff.

9.2.3. However, we cannot guarantee that loss, misuse, unauthorized acquisition, or alteration of your personal information will not occur. The transmission of personal information via the Internet is not completely secure. While we are committed to ensuring that your data is secure, we cannot guarantee the security of your personal information transmitted online or via DEX.

9.2.4. Please recognize that you play a vital role in protecting your own personal information. When registering to use our Services, it is important to choose a password of sufficient length and complexity, to not reveal this password to any third-parties, and to immediately notify us if you become aware of any unauthorized access to or use of your account.

9.2.5. Furthermore, we cannot ensure or warrant the security or confidentiality of information you transmit to us or receive from us by Internet or wireless connection, including email, phone, or SMS, since we have no way of protecting that information once it leaves and until it reaches us. If you have reason to believe that your data is no longer secure, please contact us using the contact information provided in this Privacy Policy.

10. RETENTION OF PERSONAL INFORMATION

10.1. Period of Retention

10.1.1. We store personal information securely throughout the life of service user’s online accounts. We will only retain your personal information for as long as necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting obligations or to resolve disputes. While retention requirements vary by jurisdiction, information about our typical retention periods for different aspects of your personal information are described below.

10.2. Retention by Category

10.2.1. Personal information collected to comply with our legal obligations under financial or anti-money laundering laws may be retained after account closure for as long as required under such laws.

10.2.2. Contact Information such as your name, email address and telephone number for marketing purposes is retained on an ongoing basis until you unsubscribe. Thereafter we will add your details to our suppression list to ensure we do not inadvertently market to you.

10.2.3. Content that you post on our Website such as support desk comments, photographs, videos, blog posts, and other content may be kept after you close your account for audit and crime prevention purposes (e.g. to prevent a known fraudulent actor from opening a new account).

10.2.4. Recording of our telephone calls with you may be kept for a period of up to six years.

10.2.5. Information collected via technical means such as cookies, webpage counters and other analytics tools is kept for a period of up to one year from expiry of the cookie.

11. CHILDREN’S PERSONAL INFORMATION

We do not knowingly request to collect personal information from any person under the age of 18. If a user submitting personal information is suspected of being younger than 18 years of age, DEX will require the user to close his or her account and will not allow the user to continue using our Services. We will also take steps to delete the information as soon as possible. Please notify us if you know of any individuals under the age of 18 using our Services so we can take action to prevent access to our Services.

12. YOUR PRIVACY RIGHTS

12.1.1. Depending on applicable law where you reside, you may be able to assert certain rights related to your personal information identified below. If any of the rights listed below are not provided under law for your operating entity or jurisdiction, DEX has absolute discretion in providing you with those rights.

12.1.2. Your rights to personal information are not absolute. Depending upon the applicable law, access may be denied: (a) when denial of access is required or authorized by law; (b) when granting access would have a negative impact on another’s privacy; (c) to protect our rights and properties; (d) where the request is frivolous or vexatious, or for other reasons.

12.1.3. Access and portability. You may request that we provide you a copy of your personal information held by us contacting us at the following address: support@dex.ae. This information will be provided without undue delay subject to a potential fee associated with gathering of the information (as permitted by law), unless such provision adversely affects the rights and freedoms of others. In certain circumstances, you may request to receive your personal information in a structured, commonly used and machine-readable format, and to have us transfer your personal information directly to another data controller.

12.1.4. Confirmation of processing. You may request confirmation in writing as to whether or your personal information is being processed by us and information as to the purposes of the processing, the categories of personal information concerned and the recipients or categories of recipients to whom we disclose the personal information.

12.1.5. Rectification of incomplete or inaccurate personal information. You may request us to rectify or update any of your personal information held by DEX that is inaccurate. You may do this at any time by contacting us at the following address: support@dex.ae

12.1.6. Erasure. You may request to erase your personal information, subject to applicable law contacting us at the following address: support@dex.ae. If you are a service user and close your online account with us, we will mark your online account in our database as “Closed,” but will keep certain account information, including your request to erase, in our database for a period of time as described above. This is necessary to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their online account and opening a new online account, and to comply with DEX’s legal obligations. However, if you close your online account, your personal information will not be used by us for any further purposes, nor shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required by law, or in accordance with this Privacy Policy.

12.1.7. Withdraw consent. To the extent the processing of your personal information is based on your consent, you may withdraw your consent at any time. Your withdrawal will not affect the lawfulness of DEX’s processing based on consent before your withdrawal.

12.1.8. Restriction of processing. In some jurisdictions, applicable law may give you the right to restrict or object to us processing your personal information under certain circumstances. We may continue to process your personal information if it is necessary for the defense of legal claims, or for any other exceptions permitted by applicable law.

12.1.9. Automated individual decision-making, including profiling. DEX relies on automated tools to help determine whether a transaction or a service user’s online account presents a fraud or legal risk. In some jurisdictions, you have the right not to be subject to a decision based solely on automated processing of your personal information, including profiling, which produces legal or similarly significant effects on you, save for the exceptions applicable under relevant data protection laws.

13. HOW TO CONTACT US

If you have questions or concerns regarding this Privacy Policy, or if you have a complaint, please contact us on at support@dex.ae, or by writing to us at the address of your operating entity (provided above).