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Privacy Policy

Date of Last Revision: 16 April 2026

‍Introduction

Welcome to the Lune Technologies Ltd. privacy policy.

Lune Technologies Ltd. respects your privacy and is committed to protecting your personal data. This privacy policy explains how we collect, use, store and disclose personal data when you visit our website, correspond with us, or engage with our products and services, and tells you about your privacy rights and how the law protects you.

We are incorporated in the Dubai International Financial Centre (DIFC) and are regulated, in respect of personal data, primarily under the DIFC Data Protection Law, DIFC Law No. 5 of 2020 (the “DIFC DPL”) and the regulations issued thereunder. Where applicable, we also comply with UAE Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (the “UAE PDPL”), the EU General Data Protection Regulation (Regulation (EU) 2016/679) (the “GDPR”), and the UK GDPR and Data Protection Act 2018.

Please read this privacy policy together with any other privacy notice or fair processing notice we may provide on specific occasions, so that you are fully aware of how and why we are using your personal data. This privacy policy supplements, and does not override, any such other notices.

Please use the Glossary in Section 11 to understand the meaning of some of the terms used in this privacy policy.

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1. Important information and who we are

Purpose of this Privacy Policy

This privacy policy aims to give you information on how Lune Technologies Ltd. collects and processes your personal data through your use of our website and services, including any data you may provide when you sign up to our newsletter, request a demonstration, enter into a commercial agreement with us, or otherwise interact with us.

Our website and services are business-to-business in nature and are not directed at children. We do not knowingly collect personal data relating to children under the age of 18. If you believe that a child has provided us with personal data, please contact us so that we can take appropriate action.

Controller and Processor Roles

Lune Technologies Ltd. acts in different capacities depending on the personal data concerned:

  • When you visit our website, subscribe to our communications, correspond with us, or engage with us in a commercial or marketing context, Lune Technologies Ltd. is the controller of your personal data.
  • When we provide data enrichment, merchant intelligence, card-linked offers infrastructure, personal financial management (PFM) and related services to our financial institution clients (such as banks) and process transaction or customer data at the instruction of those clients, Lune Technologies Ltd. generally acts as a processor on behalf of the relevant client, which is the controller. In those cases, the privacy notice of the relevant financial institution governs the processing and this privacy policy does not apply.

This privacy policy is issued on behalf of the Lune Technologies Group. Where we refer to “Lune”, “we”, “us” or “our” in this privacy policy, we are referring to the relevant Lune Technologies Group entity responsible for processing your personal data.

Data Protection Officer and Contact Details

We have appointed a Data Protection Officer (DPO) who is responsible for overseeing questions in relation to this privacy policy and our compliance with applicable data protection laws. If you have any questions about this privacy policy, or wish to exercise any of your legal rights, please contact our DPO using the details below:

  • Legal entity: Lune Technologies Ltd.
  • Email: privacy@lunedata.io
  • Postal address: Unit 156, Level 1, Gate Avenue, DIFC, Dubai, United Arab Emirates

Your right to complain

If you are concerned about our handling of your personal information, we would appreciate the chance to address your concerns before you approach a supervisory authority, so please contact us in the first instance.

You also have the right to lodge a complaint with a data protection supervisory authority. The competent authority for Lune Technologies Ltd. is:

  • DIFC Commissioner of Data Protection, Level 14, The Gate Building, DIFC, Dubai, UAE (commissioner@dp.difc.ae).

Depending on your location, you may also be entitled to complain to:

  • The UAE Data Office, established under the UAE PDPL;
  • The data protection authority of the EU/EEA member state where you reside, work, or where the alleged infringement took place;
  • The UK Information Commissioner’s Office (ICO); or
  • Any other competent supervisory authority in your jurisdiction.

Changes to this Privacy Policy

We keep this privacy policy under regular review. This version was last reviewed and updated on 16 April 2026. Material changes will be notified to you where required by law. It is important that the personal data we hold about you is accurate and current; please keep us informed if your personal data changes during your relationship with us.

Third-Party Links

Our website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit.

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2. The data we collect about you

Personal data, or personal information, means any information about an identified or identifiable natural person. It does not include data where the identity has been irreversibly removed (anonymous data).

We may collect, use, store and transfer different kinds of personal data about you, which we have grouped together as follows:

  • Identity Data: first name, last name, title, job title, username or similar identifier, and (where relevant) date of birth.
  • Contact Data: business address, email address and telephone numbers, and the name and address of your employer.
  • Financial Data: bank account and payment details used to invoice or pay you, and (for commercial counterparties) limited corporate financial information relevant to onboarding, credit and sanctions checks.
  • Transaction Data: details about payments to and from you and details of products and services you have purchased from us or that we have purchased from you.
  • Technical Data: internet protocol (IP) address, login data, browser type and version, time zone setting and general location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access our website or services.
  • Profile Data: your username and password, purchases or orders made by you, your preferences, feedback and survey responses.
  • Usage Data: information about how you use our website, products and services.
  • Marketing and Communications Data: your preferences in receiving marketing from us and our third parties and your communication preferences.
  • KYC/AML Data: where you are (or represent) a commercial counterparty, identification documents, beneficial ownership information, sanctions and politically exposed person (PEP) screening results, and similar information required for know-your-customer, anti-money-laundering and sanctions compliance.

We also collect, use and share Aggregated Data, such as statistical or demographic data, for a variety of purposes. Aggregated Data could be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data and use it in accordance with this privacy policy.

Special Categories of Personal Data

We do not ordinarily collect Special Categories of Personal Data about you (this includes details about race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, health, and genetic and biometric data). We do not collect information about criminal convictions or offences, except to the extent strictly necessary for sanctions screening, fraud prevention, or compliance with a legal or regulatory obligation.

If you fail to provide Personal Data

Where we need to collect personal data by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you. In such cases we may have to decline to provide, or discontinue, the relevant product or service, and we will notify you if this is the case at the time.

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3. How is your personal data collected?

We use different methods to collect data from and about you, including:

Direct interactions.

You may give us your Identity, Contact, Financial and other data by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:

  • request a demonstration, quotation, or information about our products or services;
  • enter into a commercial engagement or contract with us;
  • create an account on our website or platform;
  • subscribe to our communications or publications;
  • participate in an event, survey, or marketing activity; or
  • give us feedback or contact us.

Automated technologies or interactions.

As you interact with our website, we may automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and similar technologies. Please see our Cookie Notice available on our website for further details.

Third parties or publicly available sources.

We may receive personal data about you from various third parties and public sources, including:

  • analytics providers (such as Google) based inside and outside your jurisdiction;
  • advertising networks based inside and outside your jurisdiction;
  • providers of technical, payment and delivery services;
  • data brokers, aggregators and KYC/AML service providers; and
  • publicly available sources such as commercial registries, sanctions lists and business directories.

‍

4. How we use your Personal Data

We will only use your personal data when the law allows us to. Depending on the applicable law, we rely on one or more of the following legal bases:

  • Performance of a contract: where processing is necessary to perform a contract with you, or to take steps at your request before entering into a contract.
  • Legitimate interests: where processing is necessary for our or a third party’s legitimate interests, provided your interests and fundamental rights do not override those interests.
  • Legal obligation: where processing is necessary for us to comply with a legal, regulatory or supervisory obligation to which we are subject, including under DIFC, UAE federal, tax, anti-money-laundering, sanctions, and financial services laws.
  • Consent: where you have given us your consent to process your personal data for a specified purpose. You have the right to withdraw consent at any time by contacting us.
  • Other lawful bases: where another lawful basis applies under the DIFC DPL, UAE PDPL, GDPR, UK GDPR or other applicable law (for example, to protect the vital interests of an individual, or for the performance of a task carried out in the public interest).

Generally, we do not rely on consent as a legal basis for processing your personal data, although we will obtain your consent before sending third-party direct marketing communications to you by email or SMS, where consent is required.

Purposes for which we will use your Personal Data

The table below describes the main ways we use your personal data and the legal bases we rely on. We may process your personal data on more than one lawful ground depending on the specific purpose.

Purpose / Activity Type of Data Lawful Basis for Processing
To register you as a new customer or commercial counterparty
  • Identity
  • Contact
  • KYC/AML Data
  • Performance of a contract with you.
  • Legal obligation (KYC/AML and sanctions screening).
  • Legitimate interests (onboarding and counterparty due diligence).
To process and deliver your order, including managing payments, fees and charges and collecting money owed to us
  • Identity
  • Contact
  • Financial
  • Transaction
  • Marketing and Communications
  • Performance of a contract with you.
  • Legitimate interests (to recover debts due to us).
To manage our relationship with you, including notifying you of changes to our terms or privacy policy and inviting you to provide feedback
  • Identity
  • Contact
  • Profile
  • Marketing and Communications
  • Performance of a contract with you.
  • Legal obligation.
  • Legitimate interests (to keep records accurate and improve our services).
To administer and protect our business and our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting)
  • Identity
  • Contact
  • Technical
  • Legitimate interests (running our business, IT services, network and information security, fraud prevention, and corporate reorganisation).
  • Legal obligation.
To deliver relevant website content and measure the effectiveness of our marketing
  • Identity
  • Contact
  • Profile
  • Usage
  • Marketing and Communications
  • Technical
  • Legitimate interests (to understand how customers use our services, develop them, grow our business, and inform our marketing strategy).
To use data analytics to improve our website, products and services
  • Technical
  • Usage
  • Legitimate interests (to define customer segments, keep our website updated and relevant, develop our business, and inform our strategy).
To comply with legal, regulatory and supervisory obligations (including tax, anti-money-laundering, counter-terrorism financing, sanctions, and financial services regulation)
  • Identity
  • Contact
  • Financial
  • Transaction
  • KYC/AML Data
  • Legal obligation.
  • Legitimate interests (to manage regulatory risk).
To make suggestions and recommendations about goods or services that may interest you
  • Identity
  • Contact
  • Technical
  • Usage
  • Profile
  • Marketing and Communications
  • Legitimate interests (to develop our services and grow our business).
  • Consent, where required by law.

Marketing

We strive to give you choices regarding certain personal data uses, particularly around marketing and advertising.

‍Promotional offers from us.

We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you. You will receive marketing communications from us only where you have requested information from us, purchased from us, engaged with us in a business context, or otherwise consented, and where you have not opted out.

‍Third-party marketing.

‍We will obtain your express opt-in consent before we share your personal data with any third party for their own marketing purposes.

‍Opting out.

‍You can ask us or third parties to stop sending you marketing messages at any time by contacting us or by using the unsubscribe link in any marketing email. Where you opt out of marketing, this will not apply to personal data provided to us in connection with a product or service purchase, warranty registration, or other transaction.

Automated Decision-Making and Profiling

We do not make decisions based solely on automated processing, including profiling, that produce legal effects concerning you or similarly significantly affect you, except where permitted by law (for example, where necessary for the performance of a contract, authorised by law, or based on your explicit consent) and with suitable safeguards. Where we carry out such processing, we will inform you and, where required, provide you with the right to obtain human intervention, to express your point of view, and to contest the decision.

Cookies

A cookie is a small text file placed onto your device when you access our website. We use cookies and similar tracking technologies to make your online experience more efficient. You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, some parts of our website may become inaccessible or not function properly. For more information, please see our Cookie Notice available on our website.

Change of purpose

We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us. If we need to use your personal data for an unrelated purpose, we will notify you and explain the legal basis that allows us to do so.

‍

5. Disclosures of your Personal Data

We may share your personal data with the parties set out below for the purposes described in Section 4:

  • Internal third parties: other companies in the Lune Technologies Group acting as joint controllers or processors, for the purposes described in this privacy policy.
  • External third parties: service providers and professional advisors, including providers of IT, cloud hosting, cybersecurity, payment processing, KYC/AML, tax, audit, legal and other professional services.
  • Financial institution clients and counterparties: where necessary for the provision or administration of our services, or in response to their legitimate requests.
  • Regulators, law enforcement and public authorities: where we are required or permitted by law to share personal data, including with the DIFC Commissioner of Data Protection, the Dubai Financial Services Authority (DFSA), the Central Bank of the UAE, the UAE Data Office, tax authorities, and law enforcement agencies.
  • Business transfers: third parties to whom we may choose to sell, transfer or merge parts of our business or assets, or from whom we may acquire businesses. If a change happens to our business, the new owners may use your personal data in the same way as set out in this privacy policy.
  • Other third parties: where we have a legal duty to disclose or share your personal data to comply with a legal, regulatory or supervisory obligation, or to protect the rights, property or safety of Lune, our personnel or others, or in the context of actual or threatened legal proceedings.

We require all third parties to respect the security of your personal data and to treat it in accordance with applicable law. We do not allow our third-party service providers to use your personal data for their own purposes; we only permit them to process your personal data for specified purposes and in accordance with our instructions under appropriate written agreements.

‍

6. International Transfers

We may share your personal data within the Lune Technologies Group and with external third parties located outside the DIFC, the UAE, the European Economic Area (EEA) and the United Kingdom. This may involve the transfer of personal data to countries that, in the view of the DIFC, UAE, EU or UK authorities, may not provide the same level of protection for personal data as your home jurisdiction.

Whenever we transfer your personal data outside the DIFC, the UAE, the EEA or the UK, we seek to ensure an adequate level of protection by applying one or more of the following safeguards, as applicable:

  • Transfers to jurisdictions that have been recognised by the relevant authority (including the DIFC Commissioner of Data Protection, the UAE Data Office, the European Commission, or the UK Secretary of State) as providing an adequate level of protection for personal data.
  • Use of approved standard contractual clauses or equivalent contractual safeguards approved under the DIFC DPL, the UAE PDPL, the GDPR or the UK GDPR.
  • Reliance on an applicable derogation permitted under Part 5 of the DIFC DPL, Articles 22–23 of the UAE PDPL, or Chapter V of the GDPR, such as where the transfer is necessary for the performance of a contract with you or for reasons of substantial public interest.

You may request further information about the specific safeguards applied to transfers of your personal data by contacting our DPO at the address in Section 1.

‍

7. Data Security

We have put in place appropriate technical and organisational measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. Our information security programme is aligned with recognised industry standards, including ISO/IEC 27001 and SOC 2 Type II. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

Despite our efforts, no transmission of data over the internet is guaranteed to be completely secure. It may be possible for unauthorised third parties to intercept or access transmissions or private communications unlawfully. While we strive to protect your personal data, we cannot ensure or warrant the security of any personal data you transmit to us. Any such transmission is done at your own risk.

We have put in place procedures to deal with any suspected personal data breach and will notify you, the DIFC Commissioner of Data Protection, the UAE Data Office, and any other applicable regulator of a breach where we are legally required to do so, within the timeframes required by applicable law.

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8. Data Retention

We will only retain your personal data for as long as reasonably necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect of our relationship with you.

To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure, the purposes for which we process your personal data, whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

By way of example, we are required by UAE and DIFC laws (including UAE Federal Decree-Law No. 47 of 2022 on the Taxation of Corporations and Businesses and applicable anti-money-laundering legislation) to retain certain customer and transaction records for a minimum period (typically at least five to seven years) after the end of our relationship with you.

In some circumstances you can ask us to delete your data: see “Your Legal Rights” in Section 9 below for further information.

In some circumstances we will anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.

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9. Your Legal Rights

Under the DIFC DPL, the UAE PDPL, the GDPR, the UK GDPR and other applicable data protection laws, you may have a number of rights in relation to your personal data. These rights are not absolute and each is subject to certain exceptions or qualifications. We will grant your request only to the extent that it follows from our assessment that we are permitted and required to do so. Subject to applicable law, you have the right to:

  • request access to your personal data (a “data subject access request”), to obtain a copy of the personal data we hold about you and to check that we are processing it lawfully;
  • request correction of any incomplete or inaccurate personal data we hold about you, though we may need to verify the accuracy of the new data you provide;
  • request erasure of your personal data where there is no good reason for us to continue processing it, where you have successfully exercised your right to object, where we may have processed your personal data unlawfully, or where we are required to erase your personal data to comply with applicable law. Note that we may not always be able to comply with a request of erasure for specific legal or regulatory reasons, which we will notify you of at the time of your request;
  • object to our processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation that makes you want to object on this ground. You also have the right to object at any time where we are processing your personal data for direct marketing purposes;
  • request restriction of processing of your personal data in certain circumstances, including where you contest the accuracy of the data, where our use is unlawful but you do not want us to erase it, where you need us to hold the data to establish, exercise or defend legal claims, or where you have objected to our processing pending verification;
  • request the transfer of your personal data (“data portability”) to you or a third party in a structured, commonly used, machine-readable format. This right only applies to automated information that you provided consent for us to use, or that we used to perform a contract with you;
  • withdraw consent at any time where we are relying on consent to process your personal data. Withdrawal of consent will not affect the lawfulness of processing carried out before your withdrawal, and may mean we cannot provide certain products or services to you;
  • object to, or request human review of, decisions based solely on automated processing that produce legal or similarly significant effects concerning you; and
  • be informed, where applicable under the DIFC DPL, if your personal data is subject to a High Risk Processing Activity, and request information about any data protection impact assessment we have carried out.

If you wish to exercise any of these rights, please contact our DPO using the details in Section 1.

No fee usually required.

You will not ordinarily have to pay a fee to access your personal data or to exercise any of the other rights. However, we may charge a reasonable fee, or refuse to comply with your request, if it is manifestly unfounded, repetitive or excessive, to the extent permitted by applicable law.

What we may need from you.

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask for further information in relation to your request to speed up our response.

Time limit to respond.

We will respond to all legitimate requests within the timeframe required by applicable law, which is generally one month from receipt of a valid request. Occasionally it may take us longer if your request is particularly complex or if you have made a number of requests, in which case we will notify you and keep you updated.

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10. Children’s Privacy

Our website and services are intended for adults acting in a business capacity and are not directed at children. We do not knowingly collect or process personal data relating to individuals under the age of 18. If we become aware that we have inadvertently collected personal data from a child, we will take steps to delete that information as soon as reasonably practicable. If you believe that we may have collected personal data from a child, please contact our DPO using the details in Section 1.

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11. Glossary

Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best service or product and the best and most secure experience. We balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise permitted by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you by contacting our DPO.

Performance of Contract means processing your personal data where it is necessary for the performance of a contract to which you are a party, or to take steps at your request before entering into such a contract.

Legal Obligation means processing your personal data where it is necessary for compliance with a legal, regulatory or supervisory obligation to which we are subject, including under the laws of the DIFC, the UAE, the EU, the UK, or any other applicable jurisdiction.

DIFC DPL means the DIFC Data Protection Law, DIFC Law No. 5 of 2020, as amended, and the regulations issued thereunder.

UAE PDPL means UAE Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data, as amended, and any implementing regulations issued thereunder.

GDPR means Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data.

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