Privacy & Cookie Statement

Detailed Privacy Policy

1. Joint Data Controllers

   Nival Capital OÜ, located at Tulika tn 17-231, 10613 Tallinn, Harju maakond, Estonia (registration number 11405473), and Nival Capital SIA, located at Slokas iela 70-6, LV-1007 Rīga, Latvia (registration number 40203010662), act as joint data controllers. Together, we determine the purposes and means of processing personal data. This joint arrangement ensures transparency and compliance across our operations.

2. Collecting User Data

   We collect personal information to provide and improve our services. This includes your:

   • Full name and contact information (email, phone, address);
   • Financial details and identification documents;
   • Website usage data, including IP address, browser type, and activity patterns.

   Cookies may also collect additional data to enhance your user experience (see "Cookies" section). All data collection complies with GDPR Article 6 and is processed lawfully, fairly, and transparently.

3. Purpose and Legal Basis of Processing

   We process your data for the following purposes:

   • Providing and managing our services;
   • Improving and customising user experience;
   • Preventing fraudulent activities and ensuring security;
   • Automating decisions to optimise services;
   • Complying with legal obligations and protecting our legitimate interests.

   Processing is carried out under GDPR Article 6, including user consent, contractual necessity, legal obligations, and legitimate interest. Consent can be withdrawn at any time without affecting prior processing legality.

4. Data Sharing Between Controllers

   Nival Capital OÜ and Nival Capital SIA may share personal data between entities for service provision and regulatory compliance. All data transfers are governed by GDPR-compliant agreements, ensuring data security and lawful processing.

5. User Rights

   As a data subject, you have the following rights under GDPR:

   • Access your personal data;
   • Rectify inaccuracies in your data;
   • Request data deletion ("right to be forgotten");
   • Restrict or object to data processing;
   • Request data portability;
   • Withdraw consent at any time;
   • Lodge a complaint with a supervisory authority.

   To exercise your rights, contact either entity using the details provided in the "Contact Us" section.

6. Cookies

   We use cookies to enhance website functionality and user experience. Cookies are small data files stored on your device. Types of cookies we use include:

   • Essential cookies for core functionality;
   • Performance cookies for usage analysis;
   • Marketing cookies for personalised advertisements.

   Non-essential cookies are only set with your consent. You can manage cookie preferences in your browser settings. Note that disabling cookies may affect website functionality.

7. Data Security

   We implement robust technical and organisational measures to protect personal data, including encryption, pseudonymisation, and firewalls. In the event of a data breach, affected users and supervisory authorities will be notified within 72 hours in compliance with GDPR Article 33.

8. Policy Updates

   This policy may be updated periodically to reflect changes in data processing or legal requirements. Significant updates will be communicated to users directly.

9. Contact Us

   For privacy inquiries or to exercise your rights, contact either entity:
   
   Nival Capital OÜ
   Tulika tn 17-231, 10613 Tallinn, Harju maakond, Estonia
   Registration Number: 11405473
   [email protected]
   
   Nival Capital SIA
   Slokas iela 70-6, LV-1007 Rīga, Latvia
   Registration Number: 40203010662
   VAT Number: LV40203010662
   [email protected]