Information We Collect
We collect personal information that you provide directly to us, as well as information generated through your use of the platform. This includes:
- Identity Information: Full name, date of birth, nationality, government-issued ID number (for KYC verification), and profile photograph where required.
- Contact Information: Email address, phone number, and residential/mailing address.
- Financial Information: Cryptocurrency wallet addresses, bank account details (where applicable), transaction history, deposit and withdrawal records, and investment plan enrolments.
- Account Information: Username, password (stored in encrypted form), account preferences, and security settings.
- Device & Usage Data: IP address, browser type and version, operating system, device identifiers, pages visited, time spent on each page, click patterns, and referring URLs — collected automatically via cookies and similar tracking technologies.
- Communications: Records of your correspondence with our support team, including chat transcripts, emails, and ticket submissions.
How We Use Your Information
We use the information we collect for the following purposes:
- Account Management: To create and manage your investor account, verify your identity, and maintain account security.
- Service Delivery: To process deposits, execute investment plans, calculate and credit returns, and facilitate withdrawal requests.
- Regulatory Compliance: To meet our obligations under applicable anti-money laundering (AML), Know Your Customer (KYC), and counter-terrorism financing (CTF) regulations.
- Communications: To send account notifications, transaction confirmations, security alerts, and support responses. With your consent, we may also send newsletters, platform updates, and promotional content.
- Analytics & Improvement: To analyse user behaviour and platform usage trends in order to improve our services, user experience, and investment product offerings.
- Fraud Prevention: To detect, investigate, and prevent fraudulent transactions, account abuse, and other illegal activities.
- Legal Obligations: To comply with legal requirements, respond to lawful requests from authorities, and enforce our Terms and Conditions.
Legal Basis for Processing
We process your personal data under the following legal bases:
- Contractual Necessity: Processing required to deliver the services you have contracted with us, including account management, investment plan execution, and fund transfers.
- Legal Obligation: Processing required to comply with applicable laws, including KYC/AML regulations and tax reporting requirements.
- Legitimate Interests: Processing for fraud prevention, platform security, and service improvement, where these interests are not overridden by your rights.
- Consent: Where you have provided explicit consent, such as for receiving marketing communications. You may withdraw consent at any time.
Cookies & Tracking Technologies
We use cookies, web beacons, and similar technologies to operate and improve the platform. Cookies are small data files stored on your device. We use:
- Essential Cookies: Required for core platform functionality, including user authentication and session management. These cannot be disabled.
- Analytical Cookies: Used to understand how users interact with the platform (e.g., Google Analytics). This data is aggregated and anonymised.
- Preference Cookies: Used to remember your settings and personalise your experience.
- Marketing Cookies: With your consent, used to deliver relevant advertisements and measure campaign effectiveness.
You can manage cookie preferences through your browser settings. Disabling certain cookies may affect platform functionality.
Data Sharing & Disclosure
We do not sell your personal data to third parties. We may share your information with:
- Service Providers: Trusted third-party vendors who assist us in operating the platform, including payment processors, cloud hosting providers, email delivery services, identity verification partners, and analytics providers. These parties are contractually bound to process your data only as instructed by us.
- Regulatory Authorities: Government agencies, financial regulators, or law enforcement bodies when required by law or to respond to legally binding requests.
- Professional Advisors: Lawyers, auditors, and insurers, under obligations of confidentiality, where necessary for our business operations.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred to the acquiring entity subject to equivalent privacy protections.
International Data Transfers
Optera Finance operates globally, and your personal data may be transferred to, and processed in, countries outside your country of residence. Where such transfers occur to countries that do not offer equivalent data protection standards, we implement appropriate safeguards — such as Standard Contractual Clauses — to ensure your data remains protected.
Data Retention
We retain your personal data for as long as is necessary to fulfil the purposes described in this Policy, including to satisfy legal, regulatory, tax, accounting, and reporting obligations. In practice:
- Account and identity data is retained for the duration of the account relationship and for a minimum of five (5) years thereafter, as required by AML regulations.
- Transaction records are retained for a minimum of seven (7) years.
- Communications and support records are retained for three (3) years.
- Analytics data is retained in anonymised or aggregated form for up to two (2) years.
Data Security
We employ industry-standard technical and organisational security measures to protect your personal data, including:
- AES-256 encryption for data at rest and TLS 1.3 for data in transit.
- Multi-factor authentication (MFA) for admin and user access.
- Regular penetration testing and security audits.
- Access controls limiting data access to authorised personnel on a need-to-know basis.
- Incident response procedures for the prompt detection and management of data breaches.
In the event of a data breach that poses a risk to your rights and freedoms, we will notify you and the relevant supervisory authority as required by applicable law.
Your Rights & Choices
Depending on your jurisdiction, you may 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 data, subject to legal retention obligations.
- Restriction: Request that we restrict processing of your data in certain circumstances.
- Portability: Receive your data in a structured, commonly used, machine-readable format.
- Objection: Object to processing based on legitimate interests or for direct marketing purposes.
- Withdraw Consent: Where processing is based on consent, withdraw it at any time without affecting the lawfulness of prior processing.
To exercise any of these rights, please contact us at support@opterafinance.com. We will respond within 30 days of your request.
Third-Party Links & Services
Our platform may contain links to third-party websites or services. This Privacy Policy does not apply to those third parties, and we are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party site before providing personal information.
Children's Privacy
Our platform is not directed at or intended for use by individuals under the age of 18. We do not knowingly collect personal data from minors. If we become aware that we have inadvertently collected data from a child under 18, we will take prompt steps to delete it. If you believe a minor has provided us with their personal data, please contact us immediately.
Changes to this Policy
We reserve the right to update or modify this Privacy Policy at any time. Material changes will be communicated to you via email or a prominent notice on the platform at least 14 days before they take effect. Your continued use of the platform after the effective date of any changes constitutes your acceptance of the updated Policy.
Contact & Data Controller
Optera Finance is the data controller responsible for your personal information. If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us:
- Email: support@opterafinance.com
- Contact Form: https://opterafinance.com/contact