D3N Ltd (“D3N”, “we”, “our”, or “us”) is committed to protecting the confidentiality, integrity, and security of personal information and operational data processed through our website and services. As a provider operating within the financial technology and payment personalization ecosystem, we apply security and governance standards consistent with international payment scheme expectations and regulatory frameworks.

This Privacy Policy explains how information is collected, used, protected, and disclosed when interacting with our website or engaging with our services.

1. Scope of This Policy

This policy applies to:

• Visitors of our website
• Business partners and institutional clients
• Prospective customers and service inquiries
• Individuals interacting with D3N in a professional capacity

This website is primarily informational. It does not collect or process cardholder payment credentials through public interfaces.

2. Information We Collect

We collect only the minimum information required to operate securely and effectively.

2.1 Identity and Contact Information

This may include:

• Full name
• Business email address
• Company name
• Role or designation
• Contact number
• Country of operation

This information is collected when submitting contact forms or requesting information.

2.2 Technical and Security Information

Automatically collected data may include:

• IP address
• Device type
• Browser type and version
• Access timestamps
• Navigation patterns
• Referring URLs

This information supports cybersecurity monitoring and infrastructure protection.

2.3 Operational or Client-Provided Data

Where D3N provides EMV personalization, issuance support, or consulting services under contractual agreements, limited structured operational data may be processed strictly within secured environments and according to regulatory and scheme compliance requirements.

D3N does not store sensitive authentication data unless explicitly required under controlled contractual frameworks.

3. Legal Basis for Processing

Personal information is processed under one or more of the following lawful bases:

• Contractual necessity
• Legitimate business interest
• Regulatory compliance obligations
• Explicit consent where required

Processing is always limited to defined operational purposes.

4. Data Protection Standards

D3N operates within security practices aligned with international payment ecosystem expectations, including:

• PCI-aligned infrastructure safeguards
• Secure encryption protocols
• Access control and role-based permissions
• Network monitoring and intrusion detection
• Secure data transmission procedures
• Confidentiality obligations across personnel and partners

Security governance follows a defense-in-depth approach.

5. Use of Information

Information collected may be used to:

• Respond to institutional or commercial inquiries
• Provide requested documentation or service details
• Maintain infrastructure security
• Support compliance and audit obligations
• Improve service delivery quality
• Communicate relevant updates or engagement opportunities

We do not use personal information for profiling or automated decision-making.

6. Data Sharing and Disclosure

D3N does not sell personal information.

Information may be disclosed only where necessary to:

• Authorized infrastructure providers
• Regulated payment scheme stakeholders
• Compliance auditors
• Legal or regulatory authorities
• Contractually bound technology partners

All disclosures occur under strict confidentiality and security obligations.

7. Cross-Border Data Transfers

As an internationally operating FinTech platform headquartered in Mauritius and serving Africa, Asia, and global markets, information may be processed across jurisdictions.

Where cross-border transfers occur, appropriate safeguards are applied to maintain equivalent protection standards.

8. Data Retention

Personal information is retained only for the duration required to:

• Support business engagement
• Meet contractual obligations
• Satisfy regulatory requirements
• Maintain audit readiness
• Resolve disputes or enforce agreements

After retention periods expire, information is securely deleted or anonymized.

9. Cookies and Monitoring Technologies

Our website uses limited cookies strictly for:

• Security monitoring
• Performance optimization
• Session integrity
• Traffic analytics

No behavioral advertising cookies are deployed.

Users may disable cookies through browser settings if preferred.

10. Confidentiality of Payment Ecosystem Data

Where D3N operates within EMV personalization, card issuance workflows, or scheme-related infrastructure environments:

• Data is processed only within secured production domains
• Access is restricted to authorized personnel
• Encryption is applied in transit and at rest
• Audit traceability is maintained

These safeguards support alignment with international payment scheme expectations.

11. Your Data Rights

Subject to applicable laws, individuals may request:

• Access to stored personal information
• Correction of inaccurate records
• Restriction of processing
• Erasure where legally permissible
• Withdrawal of consent
• Information on processing activities

Requests are handled through verified channels only.

12. Third-Party Platforms

Our website may reference or link to external platforms. D3N is not responsible for the privacy practices of third-party environments.

Users are encouraged to review those policies independently.

13. Policy Updates

This Privacy Policy may be updated periodically to reflect:

• regulatory developments
• infrastructure changes
• service expansion
• security enhancements

The latest version will always be published on this page.

14. Contact Information

For privacy, compliance, or data protection inquiries:

D3N Ltd
3rd Floor, 15A4 Building
Hyvec Business Park
Wall Street
Ebene Cybercity 72201
Mauritius

Phone: +230 5256 4006
Email: queries@d3nltd.com
Website: https://d3nltd.com