Privacy Policy

Account data: your name, email address, username, country, date of birth, phone number and app settings.

Transaction data: your payments, transfers, withdrawals, fees, and their status and history.

Social and messaging data: your contacts, connections, conversations and messages, as part of the social features you use.

Device and security data: device identifiers, log data and security events. Identity data: where verification is required, your identity documents and verification results. Support data: communications with our support and AI support assistant.

To perform our contract with you — operating your account and the app's features.

To comply with legal obligations — for example anti-money-laundering, tax and record-keeping rules.

For our legitimate interests — preventing fraud and abuse, and securing and improving the service, always balanced against your rights.

With your consent — optional analytics and marketing, which you can withdraw at any time without affecting the service.

We process records of your payments, balances and fees in order to operate the service, answer support requests and meet record-keeping obligations. Funds themselves are held and moved by our licensed payment providers — IBERIS does not hold a banking licence.

Where a feature requires it, we and our identity-verification providers process your personal details and identity documents (such as a passport or national ID, and a selfie). This is required by law and by our providers before the feature can be used, and the documents are retained for the legally required period.

We share data only with providers necessary to run the Services: Stripe for card and Apple Pay payments, licensed banking partners for transfers and withdrawals, identity-verification providers, and hosting, security and communications services. Each provider may process data only to deliver its service, under the safeguards described in section 10.

We do not sell your personal data and do not share it for third-party advertising.

We keep your data while your account is active. After closure, we keep records where law requires — transaction, verification and anti-money-laundering records typically for five years or longer where applicable — and delete or anonymise other data when it is no longer needed. Conversations you delete are removed, subject to the same legal record-keeping.

We apply technical and organisational measures appropriate to the risk, including encryption in transit, access controls, per-user data isolation and monitoring. No system is completely secure, and we cannot guarantee absolute security; if a breach affects you, we will inform you as the law requires.

We use essential cookies to keep you logged in and the service secure. Analytics and marketing cookies are used only with your consent, and you can change or withdraw your choices at any time in Settings → Cookie preferences.

You have the right to access, rectify, erase, restrict and object to the processing of your data, the right to data portability, and the right to withdraw consent for consent-based processing. You can export your data yourself in Settings → Download my data, or ask us at support@iberis.app.

These rights have limits: for example, anti-money-laundering and transaction records must be retained by law and cannot be erased. You may lodge a complaint with a supervisory authority — in Belgium the Data Protection Authority (Gegevensbeschermingsautoriteit / Autorité de protection des données), or the authority of your EU member state.

Some providers process data outside the European Economic Area — for example Stripe. Such transfers take place only with appropriate safeguards, typically the European Commission's standard contractual clauses or an adequacy decision. A current overview of transfer mechanisms and provider locations is available on request.

The Services are not intended for anyone under 18. We do not knowingly collect their data; if we learn that we have, we delete it.

We may update this policy; the "Last updated" date above shows the current version, and we will notify you of material changes before they take effect.

Controller: IBERIS BV, Brussels, Belgium. Email: support@iberis.app. For data-protection matters, contact us at this address or via in-app support.