PRIVACY POLICY

In accordance with the Swiss Federal Act on Data Protection (nFADP) of September 25, 2020, and the new Swiss legislation on personal data protection, MURKON AG informs that personal data is processed for the purpose of managing relationships with users, clients, and prospects. This includes identity verification procedures and compliance with Law 10/2010 of April 28, concerning the prevention of money laundering and the financing of terrorism, as well as the invoicing of payment orders.

SUBMISSION AND REGISTRATION OF PERSONAL DATA
The submission of personal data is mandatory in order to contact and receive information about the products and services of MURKON AG. If you wish to be regularly informed about the exchange rate applied to your destination country, you must expressly subscribe to our newsletter and consent to the use of your email address.
Failure to provide the requested personal data or to accept this privacy policy makes it impossible to carry out money transfer or receipt operations or to receive information about the services of MURKON AG.
In accordance with the Swiss Federal Act on Data Protection (nFADP) of September 25, 2020, and the legislation on the free flow of such personal data, we inform you that any personal data obtained as a result of your submission will be processed by MURKON AG, with its registered office at Grafenaustrasse 11, 6300 Zug, Switzerland. The company has implemented all necessary security measures to guarantee data privacy.

ACCURACY AND VERACITY OF THE DATA PROVIDED
The user who submits information to MURKON AG is solely responsible for the truthfulness and accuracy of the data provided, and MURKON AG is exempt from any responsibility in this regard.
Users guarantee, in all cases, the accuracy, validity, and authenticity of the personal data they provide, and they commit to keeping this information properly updated.
The user agrees to provide complete and accurate information in the registration or subscription form, as well as in the client identification form. MURKON AG may, through digital channels such as WhatsApp, request additional documentation to validate the transaction or via the Giro Directo service.
MURKON AG is not responsible for the accuracy of information not generated by the company itself and that originates from another source. Therefore, it assumes no liability for any hypothetical damage or loss that might arise from the use of such third-party information.
MURKON AG shall not be held liable for any damage or harm that the user may suffer as a result of errors, defects, or omissions in the information provided by MURKON AG, provided that such information originates from sources outside of MURKON AG.
PURPOSES
The purposes for collecting personal data include ensuring compliance with the identification and due diligence requirements for clients, senders, and beneficiaries, in relation to the issuance, receipt, and validation of their payment orders. This may be done either in person or through the online system Giro Directo, in accordance with applicable laws and regulations.

DISCLOSURE OF DATA TO THIRD PARTIES
MURKON AG will not transfer user data to third parties. However, if data must be shared with another company, the user will be informed in advance and explicit consent will be requested.

EXERCISING RIGHTS OF ACCESS, RECTIFICATION, DELETION, OPPOSITION, RESTRICTION OF PROCESSING, AND DATA PORTABILITY
You may communicate with us, withdraw previously granted consent, and exercise your rights to:
• Access your personal data and obtain a copy of it
• Rectify inaccurate or incomplete data
• Request deletion of your personal data
• Request the removal of your data from our website
• Object to the processing of your personal data
• Request the restriction of processing
• Request the portability of your automated personal data
All such requests must be sent by mail to:
MURKON AG, Grafenaustrasse 11, 6300 Zug (Switzerland)
In accordance with Instruction 1/1998 of January 19 issued by the Swiss Federal Data Protection and Information Commissioner (FDPIC), it is necessary to prove your identity to MURKON AG by sending a photocopy of an official identity document or any other legally valid method.

Data subjects also have the right to file a complaint with the competent supervisory authority.
DATA RETENTION PERIOD
The user's personal data will be actively processed for as long as they maintain the status of user of www.murkonfintech.com, meaning until they withdraw their consent or exercise their right to cancellation, deletion, or objection to a specific purpose.
If consent is withdrawn or the rights to cancellation or deletion are exercised, the data will be blocked and stored in a restricted manner for up to three (3) years, available to competent authorities for the purpose of addressing any legal responsibilities arising from the data processing.

LEGAL BASIS FOR DATA PROCESSING
Registration on www.murkonfintech.com is free and voluntary. Therefore, the legal basis for the processing of personal data is the user's consent.

ACCEPTANCE AND CONSENT
By using the website, you acquire the status of “User,” and thereby fully and unreservedly accept all provisions regarding the protection of personal data, including the processing of your data by www.murkonfintech.com as described in this Privacy Policy and in the version published on the website at the time of your access.
As a result, it is the User’s responsibility to carefully read this legal notice each time they access the website, as the policy may be subject to changes.
With regard to the provision of information society services directly to a minor, the processing of a minor’s personal data shall be lawful only if the child is at least 16 years old. If the child is under 16, such processing will only be lawful if the holder of parental responsibility gives or authorizes consent, and only to the extent that such consent is given. In accordance with Swiss law, the valid age of consent is set at 14 years.
________________________________________
IT SECURITY MEASURES
MURKON AG has adopted the necessary security measures required to ensure the privacy of personal data. Additionally, we have implemented further protective measures such as next-generation firewalls, encryption software for confidential data, restricted user access, security policies, and user credentials that expire as required by law. These systems are designed to prevent misuse, alteration, unauthorized access, and theft of personal data provided to MURKON AG.
The data is hosted on a server located in Switzerland.
MURKON AG shall not be held responsible for any damage or loss resulting from interruptions, omissions, electronic viruses, telephone failures, or disconnections in the operation of this electronic system when caused by circumstances beyond the control of MURKON AG. Likewise, MURKON AG shall not be liable for delays or blockages in the use of this system caused by deficiencies or overloads in telephone lines, the Data Processing Center (DPC), the Internet, or other electronic systems, or for damage caused by unlawful intrusions by third parties beyond the control of MURKON AG.