Privacy Policy

Last updated: 1st January 2026

This Privacy Policy explains how Quario Ltd ("we", "us", or "our") collects, uses, and protects your personal information when you visit our website or use our wealth management services. We are committed to protecting your privacy and handling your data in accordance with the General Data Protection Regulation (GDPR) and Irish data protection laws.

Data Controller Information

Quario Ltd is the data controller for the personal data we collect about you. Our contact details are:

• Company: Quario Ltd
• Registration Number: 651239
• Address: Henry Street 2, Waterford, X67 6562, Ireland
• Email: privacy@quario.world
• Phone: +353 51 616 0056

Data Collection

We collect personal data from you in various ways when you interact with our services. The data we collect includes:

• Contact Information: Name, email address, phone number, postal address
• Financial Information: Investment preferences, financial goals, risk tolerance, income information
• Website Usage Data: IP address, browser type, pages visited, time spent on site
• Communication Records: Records of our correspondence and meetings with you
• Identity Verification: Documentation required for regulatory compliance and client onboarding

How We Use Your Information

We use your personal data for the following purposes, based on legitimate interests, contractual necessity, and legal obligations:

• Service Provision: To provide wealth management services, financial advice, and portfolio management
• Client Communication: To respond to your enquiries and provide ongoing support
• Regulatory Compliance: To meet our legal and regulatory obligations as a financial services provider
• Website Improvement: To analyse website usage and improve our online services
• Marketing: To send you relevant information about our services (with your consent)
• Risk Management: To assess and manage financial and operational risks

Legal Basis for Processing

We process your personal data based on the following legal grounds:

• Contractual Necessity: To perform our wealth management services and fulfil our contractual obligations
• Legal Obligation: To comply with financial services regulations, anti-money laundering laws, and tax reporting requirements
• Legitimate Interest: To operate our business, improve our services, and communicate with clients
• Consent: For marketing communications and certain cookies (where required)

Cookies and Tracking Technologies

We may use cookies and tracking technologies for analytics, advertising, and remarketing purposes, including Google Ads. These technologies help us measure campaign effectiveness, deliver relevant advertisements, and improve our services. You can manage your cookie preferences at any time through our cookie consent banner. For detailed information about our use of cookies, please see our Cookie Policy.

Data Sharing and Disclosure

We may share your personal data with:

• Service Providers: Third-party companies that help us deliver our services (under strict confidentiality agreements)
• Regulatory Bodies: When required by law or regulation
• Professional Advisors: Lawyers, accountants, and other professional advisors
• Business Partners: With your consent, for specific services or products

We do not sell your personal data to third parties for marketing purposes.

Data Retention

We retain your personal data for as long as necessary to provide our services and comply with legal obligations. Generally, we retain client data for at least seven years after the end of our business relationship, in accordance with financial services regulations. Website usage data is typically retained for shorter periods, usually up to two years.

Your Rights

Under GDPR, you have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you
• Rectification: Request correction of inaccurate or incomplete data
• Erasure: Request deletion of your personal data (subject to legal obligations)
• Restriction: Request limitation of processing in certain circumstances
• Portability: Request transfer of your data to another service provider
• Objection: Object to processing based on legitimate interests
• Withdraw Consent: Withdraw consent for processing where applicable

To exercise these rights, please contact us at privacy@quario.world.

Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. This includes encryption, access controls, staff training, and regular security assessments. However, no internet transmission or electronic storage is completely secure, and we cannot guarantee absolute security.

International Data Transfers

Your personal data may be transferred to and processed in countries outside the European Economic Area (EEA). When we do this, we ensure appropriate safeguards are in place, such as standard contractual clauses or adequacy decisions by the European Commission.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website and updating the "Last updated" date.

Contact Information

If you have any questions about this Privacy Policy or our data practices, please contact us:

• Email: privacy@quario.world
• Phone: +353 51 616 0056
• Post: Quario Ltd, Henry Street 2, Waterford, X67 6562, Ireland

Complaints

If you believe we have not handled your personal data in accordance with this policy or applicable law, you have the right to lodge a complaint with the Irish Data Protection Commission or your local supervisory authority.