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Privacy Policy

This Privacy Policy explains how ProgressPlay Limited, as operator of the Inter Bet brand and the Inter Bet configuration of intersbet.com, collects, uses, discloses, and protects personal data of players and other visitors to the website and related services. It applies to all individuals who access or use intersbet.com for remote casino and sportsbook services targeting the United Kingdom (and, where relevant, non-UK players served under our Malta licence). This Privacy Policy is issued in accordance with the UK General Data Protection Regulation ("UK GDPR"), the Data Protection Act 2018, the Privacy and Electronic Communications Regulations ("PECR"), and, where applicable, the EU GDPR and Mexican data protection law. This version is effective from 1 January 2026 and replaces previous versions, including the version last updated on 6 November 2025.

Who We Are

OBSERVE: This section identifies the legal entities responsible for your data and how you can contact us.

Inter Bet at intersbet.com is operated as part of the Inter Bet brand on the ProgressPlay Limited platform.

  • Data controller for UK players: ProgressPlay Limited, a limited company incorporated in Malta.
  • Registered / legal address: ProgressPlay Limited, Soho Office, 3A, Punchbowl Centre, Elia Zammit Street, St. Julian's, STJ3154, Malta.
  • Gambling licences:
    • United Kingdom Gambling Commission ("UKGC") licence account number 39335 (remote casino and sportsbook operations for UK customers).
    • Malta Gaming Authority ("MGA") licence number MGA/B2C/231/2012 (remote gambling services for certain non-UK customers).

EXPAND: For transparency and accountability, we appoint data protection contacts:

  • Data Protection Officer ("DPO"): Data Protection Officer, ProgressPlay Limited.
  • Postal contact: Data Protection Officer, ProgressPlay Limited, Soho Office, 3A, Punchbowl Centre, Elia Zammit Street, St. Julian's, STJ3154, Malta.
  • Email (privacy enquiries): [email protected]
  • Email (DPO direct): [email protected]

REFLECT: When you access or use intersbet.com under the Inter Bet configuration, ProgressPlay Limited is primarily responsible for determining how and why your personal data is processed. Certain processing activities (for example, payment processing, game provision, and regulatory reporting) are carried out jointly with or on behalf of carefully selected partners and service providers; in those cases, we ensure that clear contractual arrangements allocate data protection responsibilities between us in accordance with the UK GDPR.

What Personal Data We Collect

OBSERVE: We collect different categories of personal and technical data when you interact with intersbet.com and use the Inter Bet services.

  • Identity and contact data: Full name, username, date of birth, residential address, country of residence, email address, telephone number, copies of identity documents (e.g. passport, ID card, driving licence), proof of address (e.g. utility bill, bank statement), and, where required by regulation, enhanced due-diligence information.
  • Account and behavioural data: Account registration details, login credentials (stored in protected form), language and currency preferences, bet slips, betting and gaming history, game sessions, wins and losses, deposits and withdrawals, responsible gambling tools you use (limits, self-exclusions, time-outs), communication history with customer support, complaints and dispute records, and interactions with promotional offers.
  • Technical and usage data: IP address, approximate geographic location (based on IP or other geolocation tools where required by law), device identifiers, device type, operating system, browser type and settings, referral URLs, pages viewed, clickstream data, time spent on pages, and log files showing access times, errors, and security-related events.
  • Payment and financial data: Limited payment card details (such as card type and masked card number), e-wallet identifiers, bank account details where relevant, payment transaction IDs, deposit and withdrawal records, chargeback alerts, fraud risk scores, and information from payment service providers about transaction status.
  • Regulatory and KYC/AML data: Information collected to comply with "Know Your Customer" (KYC), anti-money-laundering (AML), counter-terrorist-financing and affordability requirements, including occupation, source of funds and wealth information, sanctions and politically exposed person (PEP) screening results, and documentation you provide during enhanced checks.
  • Marketing and communications data: Preferences for receiving marketing by email, SMS, push notifications, phone or in-account messages, records of consent or opt-out, and engagement data for marketing campaigns (opens, clicks, unsubscribes).
  • Cookies and similar technologies: Unique identifiers stored via cookies, SDKs, pixels, tags and local storage; information linking your browser or device to your account and to analytics or advertising IDs; data collected via these technologies is described in more detail in the Cookies & Tracking Technologies section below.
  • Special category and sensitive data (limited): We generally avoid collecting sensitive data. However, we may process limited health-related or vulnerability information where you disclose this voluntarily (for example, in the context of responsible gambling interactions) so that we can protect you and comply with regulatory expectations.

REFLECT: We collect only the data that is necessary for lawful purposes such as account operation, security, regulatory compliance and service improvement. Where we request additional information, we explain whether the provision is mandatory (for legal or contractual reasons) or optional and what the consequences are if you choose not to provide it.

Legal Basis for Processing

OBSERVE: The UK GDPR and related laws require us to identify a lawful basis for each type of processing. The same principles underpin our approach for players in the EEA and, where applicable, Mexico.

Contractual necessity

  • What this covers: We process your personal data to enter into and perform our contract with you, including creating and managing your Inter Bet account on intersbet.com, enabling you to place bets and play games, crediting winnings, processing withdrawals, verifying your age and eligibility, providing customer support, and resolving operational issues.
  • Why it is lawful: Without this processing, we cannot provide the gambling services you request. This basis applies, for example, to account administration, core game operation, and technical delivery of the website and mobile interfaces.

Compliance with legal obligations

  • What this covers: We process your data to comply with obligations under UK law, including UKGC licence conditions, the UK Anti-Money Laundering Regulations, the Proceeds of Crime Act 2002, the Data Protection Act 2018, tax and accounting rules, safer gambling and player protection rules, and similar regulations in other applicable jurisdictions (such as Malta and, where relevant, Mexico).
  • Examples: Verifying your identity and age; maintaining transaction records; performing affordability assessments; monitoring for suspicious activity; submitting reports to regulators and law-enforcement; and retaining records for legally mandated periods.

Legitimate interests

  • What this covers: We rely on legitimate interests where processing is necessary for purposes such as:
    • Detecting and preventing fraud, cheating, bonus abuse and account takeover;
    • Ensuring the security and integrity of our platform and shared ProgressPlay infrastructure;
    • Performing analytics to understand performance, fix bugs and improve user experience;
    • Tailoring on-site content and non-intrusive product recommendations to your preferences; and
    • Protecting our legal rights, responding to claims, and managing business risk.
  • Safeguards: We balance these interests against your rights and freedoms and use techniques such as pseudonymisation, aggregation and access controls to minimise privacy impact.

Consent

  • What this covers: We rely on your consent for certain activities that are not strictly necessary for the service or a legal obligation, such as:
    • Sending direct electronic marketing (email, SMS, push notifications) about Inter Bet offers where required by PECR or other applicable law;
    • Using certain non-essential cookies and similar technologies for analytics and advertising; and
    • Processing sensitive information you voluntarily disclose in the context of responsible gambling support.
  • Your choices: You can withdraw your consent at any time using your account settings, unsubscribe links, cookie management tools or by contacting us. This will not affect the lawfulness of processing prior to withdrawal.

Vital interests and public interest

  • Vital interests: In rare cases, we may process or share limited data to protect your vital interests or those of another person, for example where there is a serious and immediate risk of harm.
  • Public interest and regulatory functions: We may process and disclose data where this is necessary to assist regulators, supervisory authorities or law-enforcement bodies in carrying out their statutory functions, including in the context of safer gambling, AML or consumer protection investigations.

Purpose of Processing

OBSERVE: We process your data for clearly defined purposes linked to the operation and regulation of Inter Bet and the Inter Bet brand at intersbet.com.

  • Providing and managing our gambling services: Setting up and managing your account; allowing you to deposit funds, place bets and play games; settling bets; crediting winnings; enabling withdrawals; and providing multi-channel customer support.
  • Regulatory compliance and responsible gambling: Meeting obligations under UKGC licence conditions, the MGA framework and applicable law; verifying age and identity; performing KYC/AML and affordability checks; monitoring gameplay to detect problematic gambling; applying personal limits, self-exclusions and time-outs; and retaining records for audits and investigations.
  • Website, app and service improvement: Analysing how visitors use intersbet.com, troubleshooting issues, optimising site performance, enhancing user journeys, testing new features, and maintaining the stability and security of the shared ProgressPlay platform across its white-label brands.
  • Marketing, promotions and personalisation: Sending service messages about account status, policy updates and regulatory changes; providing marketing communications and promotional offers where permitted; personalising in-account messages; and measuring the effectiveness of campaigns, subject to your consent and preferences.
  • Fraud prevention, security and risk management: Protecting the integrity of games and markets; identifying multi-accounting, collusion and bonus abuse; preventing money laundering and terrorist financing; managing chargebacks and payment disputes; and enforcing our terms and conditions.
  • Business operations and reporting: Conducting internal reporting and analytics; preparing anonymised and aggregated statistics; complying with tax and accounting requirements; and managing relationships with suppliers, partners and affiliates.
  • Dispute resolution and legal claims: Investigating and resolving complaints, chargebacks and disputes; responding to requests from regulators and authorities; and establishing, exercising or defending legal claims in courts or before regulators.

REFLECT: We do not use your personal data for purposes that are incompatible with the ones described above. If we intend to use your data for a new, materially different purpose, we will update this Privacy Policy and, where required, notify you and/or seek your consent in advance.

Disclosure & Sharing

OBSERVE: We share personal data only with trusted parties and only where there is a lawful basis and appropriate safeguards in place.

  • Group entities and platform infrastructure: Other entities within the ProgressPlay Limited group that help operate the shared technical, compliance and support infrastructure for our network of white-label brands, including Inter Bet on intersbet.com.
  • Payment service providers and banks: Providers of card processing, e-wallets, bank transfer services, open-banking tools and anti-fraud systems that process deposits, withdrawals and related financial transactions on our behalf.
  • Game and software providers: Licensed game studios, sportsbook providers and other technical suppliers whose games, markets or tools you access through intersbet.com. These providers may act as processors or joint controllers depending on the integration.
  • Verification, AML and risk management partners: Identity verification services, KYC/AML and sanctions screening providers, credit reference and affordability assessment agencies (where lawful), geolocation providers and other specialist risk-management firms.
  • Professional advisers and auditors: Lawyers, accountants, auditors and other professional advisers who support our regulatory compliance, financial reporting and dispute resolution activities, subject to confidentiality obligations.
  • Regulators and public authorities: The UK Gambling Commission, the Malta Gaming Authority, data protection authorities, tax authorities, law-enforcement bodies and other competent authorities, where we are legally required or permitted to disclose information, for example in connection with regulatory reporting, inspections, investigations or enforcement actions.
  • Marketing, analytics and advertising partners: Subject to your consent and preferences, we may share pseudonymised or aggregated data with providers of analytics, remarketing, affiliate tracking and campaign measurement tools. Where personally identifiable data is shared, this is done under strict contractual safeguards and in compliance with PECR and applicable marketing laws.
  • Affiliates and referral partners: Limited information necessary to verify referrals, attribute commissions and prevent abuse, typically in pseudonymised or aggregated form.
  • Corporate transactions: In the context of mergers, acquisitions, restructurings or transfers of business, personal data may be disclosed to prospective or actual purchasers and their advisers, subject to appropriate confidentiality and data protection safeguards.

REFLECT: We do not sell your personal data as a standalone asset. Whenever we share data, we enter into data processing or data sharing agreements where required, ensuring that recipients process your data only on our instructions or under a clearly defined legal basis and with appropriate security measures.

International Transfers

OBSERVE: As a Malta-based operator serving UK and non-UK players, ProgressPlay Limited routinely transfers personal data across borders.

  • Within the UK and EEA: Data is processed in the United Kingdom and within the European Economic Area ("EEA") in connection with the operation of intersbet.com, regulatory compliance, payment processing and game provision. The UK and EEA currently recognise each other's data protection regimes as providing adequate protection.
  • Malta: Core platform and operational functions are performed from Malta, where ProgressPlay Limited is established and licensed by the MGA. Malta is an EU Member State and therefore subject to the EU GDPR.
  • Other countries: Certain service providers (for example, cloud hosting, analytics, payment and support tools) may process data in countries outside the UK/EEA, including but not limited to the United States or other jurisdictions.

EXPAND: Where data is transferred outside the UK or EEA to a country that is not subject to an adequacy decision, we implement appropriate safeguards such as:

  • UK International Data Transfer Agreement (IDTA) or the UK Addendum to the EU Standard Contractual Clauses;
  • EU Standard Contractual Clauses where EU GDPR applies (for example, for certain non-UK players served under the MGA licence);
  • Robust contractual commitments on data protection, confidentiality and security; and
  • Technical and organisational measures such as encryption, access controls and minimisation.

REFLECT: We regularly review our international transfers and the laws of destination countries to ensure that an essentially equivalent level of protection is maintained. Where we cannot ensure such protection for a particular transfer, we will suspend the transfer or implement additional safeguards before proceeding.

Data Retention

OBSERVE: We retain personal data only for as long as necessary to fulfil the purposes described in this Privacy Policy and to comply with legal, regulatory, tax and accounting requirements.

  • Account and identity data: Typically retained for the life of your account and, after closure, for a period of up to five (5) years, or longer where required by law (for example, up to seven (7) years under certain AML and financial record-keeping obligations).
  • Transaction and betting history: Retained for at least five (5) years after the relevant transaction or account closure, to comply with UKGC licence conditions, AML regulations, tax and audit requirements, and to enable us to handle complaints or legal claims.
  • KYC/AML and affordability records: Retained for at least five (5) years from the end of the business relationship or from the date of the last transaction, or longer if required by applicable AML/CTF laws or regulatory guidance.
  • Marketing data: Retained until you withdraw consent or object to marketing, at which point we will cease marketing communications and retain a minimal record of your preference (for example, your email address and opt-out status) to ensure it is respected.
  • Technical logs and security data: Retained for periods ranging from a few months to several years, depending on the type of log and the associated security or compliance purpose.
  • Complaints, disputes and legal claims: Retained until the matter is fully resolved and for as long as necessary to establish, exercise or defend legal claims, which may extend beyond general retention periods.

REFLECT: When personal data is no longer required for the purposes for which it was collected and there is no legal requirement or legitimate interest to retain it, we will securely delete, anonymise or aggregate it so that it can no longer be associated with you. Where deletion is impracticable (for example, in backup archives), we will put the data beyond routine use and continue to protect it with appropriate security measures.

Your Rights

OBSERVE: You have a range of rights in relation to your personal data under the UK GDPR, the EU GDPR (where applicable) and, in certain circumstances, under Mexican data protection law (notably the Federal Law on Protection of Personal Data Held by Private Parties and its regulations).

Core data protection rights

  • Right of access: You can request confirmation as to whether we process your personal data and obtain a copy of your data, together with information about how we use it.
  • Right to rectification: You can ask us to correct inaccurate data or complete incomplete data. In many cases you can update certain details directly via your intersbet.com account.
  • Right to erasure ("right to be forgotten" / cancellation): You can request deletion of your personal data in certain circumstances, for example where it is no longer necessary for the purposes for which it was collected, or where you withdraw consent and there is no other legal basis. We may need to retain some data where required by law or for legal claims.
  • Right to restriction of processing: You can ask us to restrict processing of your data in specific situations, such as while we verify its accuracy or assess an objection.
  • Right to object: You can object at any time to processing based on legitimate interests, including profiling, on grounds relating to your particular situation. You have an absolute right to object to direct marketing, after which we will stop using your data for that purpose.
  • Right to data portability: Where processing is based on your consent or on a contract and carried out by automated means, you can request to receive your data in a structured, commonly used, machine-readable format and ask us to transmit it to another controller where technically feasible.
  • Rights in relation to automated decision-making: If we make decisions based solely on automated processing that significantly affect you (for example, certain risk or affordability assessments), you have the right to obtain human intervention, to express your point of view, and to contest the decision.

Mexican ARCO rights (where applicable)

  • Access, Rectification, Cancellation, Opposition ("ARCO"): If Mexican data protection law applies to you (for example, where you are located in Mexico and interact with our services), you may have additional rights to access, rectify, cancel or oppose the processing of your personal data in accordance with that framework. Our procedures for handling such requests are aligned with ARCO principles, subject to our overriding legal and regulatory obligations in other jurisdictions.

How to exercise your rights

  • Submission of requests: You can submit data-protection requests by contacting us at [email protected] or [email protected], or by writing to the DPO at our postal address. Please clearly state that your request concerns "data protection rights" and specify the right(s) you wish to exercise.
  • Verification: To protect your account and prevent fraud, we may need to verify your identity before acting on your request (for example, by asking you to log in, provide certain information, or supply identification documents where appropriate).
  • Timeframe: We aim to respond to all valid requests without undue delay and in any event within one (1) month of receipt. Where requests are particularly complex or numerous, we may extend this period by up to two (2) further months, in which case we will inform you of the extension and reasons.
  • Fees: We handle requests free of charge. We may charge a reasonable fee or refuse to act on requests that are manifestly unfounded or excessive, in accordance with applicable law.

REFLECT: Some rights are subject to conditions and legal exemptions, particularly in the gambling context where we must retain and process certain data for regulatory, AML and responsible gambling purposes. Where we cannot fully comply with your request, we will explain the reasons and inform you of your options, including your right to lodge a complaint with a supervisory authority.

Cookies & Tracking Technologies

OBSERVE: intersbet.com uses cookies and similar technologies to make the site work, improve performance, and support analytics and marketing.

Types of cookies and technologies

  • Strictly necessary (functional) cookies: Required for the website and Inter Bet account features to function, such as maintaining your session, enabling secure login, managing bet slips and remembering your cookie preferences. These cannot be switched off via our cookie banner.
  • Performance and analytics cookies: Help us understand how visitors use intersbet.com, which pages are most popular, how users navigate the site, and where errors occur. We use this information in aggregated form to improve stability, speed and usability.
  • Personalisation cookies: Allow us to remember your preferences (such as language, odds format, favourite sports or games) and tailor content within your account to your interests.
  • Advertising and affiliate cookies: Used, with your consent where required, to deliver and measure marketing campaigns, track affiliate referrals, prevent bonus abuse and, in some cases, show relevant adverts for Inter Bet on other sites.
  • Similar technologies: We may use pixels, tags, SDKs and local storage that perform similar functions to cookies, particularly in mobile and app environments.

Managing cookies

  • Cookie banner and settings: On your first visit in 2026 (and periodically thereafter), you will see a cookie banner allowing you to accept or reject non-essential cookies and to access detailed cookie settings. You can change your preferences at any time via the cookie management panel on intersbet.com.
  • Browser controls: Most browsers allow you to block or delete cookies through their settings. If you block all cookies, some features of intersbet.com may not function correctly.
  • Do Not Track and similar signals: While we respect privacy-enhancing technologies, our response to browser-based signals may vary depending on technical capabilities and legal requirements. We will update this Privacy Policy and our cookie disclosures as standards evolve.

REFLECT: We aim to use cookies in a proportionate way that supports security, regulatory compliance, and user experience, while giving you meaningful control over non-essential tracking. Detailed information about specific cookies we use may be provided in a separate cookie notice or within the cookie management interface.

Data Security

OBSERVE: Protecting your personal data is a core obligation under the UK GDPR, our UKGC licence and industry standards. We apply a multi-layered security strategy across the Inter Bet environment at intersbet.com and the wider ProgressPlay infrastructure.

Technical and organisational measures

  • Encryption in transit and at rest: We use Transport Layer Security (TLS 1.2 or higher) to encrypt data transmitted between your browser or device and our servers. Where appropriate, we also encrypt data at rest and apply hashing and tokenisation to sensitive fields.
  • Access controls and authentication: Access to personal data is strictly limited to authorised personnel and service providers who need it for legitimate purposes. We apply role-based access controls, strong authentication mechanisms, and regular access reviews.
  • Network and system security: Our platform is protected by firewalls, intrusion detection and prevention systems, anti-malware solutions, security patching processes and other controls designed to prevent unauthorised access and attacks.
  • Secure development and testing: We follow secure coding practices, conduct risk assessments for new features, and use testing and quality-assurance processes to reduce vulnerabilities before deployment.
  • Back-ups and business continuity: We maintain back-up and disaster-recovery procedures designed to ensure continuity of service and integrity of data in case of system failures or other incidents.

Governance, training and audits

  • Policies and governance: ProgressPlay Limited maintains documented information security, data protection and AML policies that apply across its white-label brands, including Inter Bet at intersbet.com.
  • Staff training and awareness: Employees and contractors with access to personal data receive appropriate training on data protection, information security, responsible gambling and AML requirements.
  • Audits and continuous improvement: We perform internal audits and engage external experts where appropriate to review our controls. Following past regulatory findings, including enforcement action by the UKGC in May 2022 for social responsibility and AML failures, we have strengthened our systems and controls and continue to enhance them in line with regulatory expectations.
  • Alignment with standards: Our security framework is designed to be consistent with recognised international standards such as ISO/IEC 27001 and SOC 2, even where formal certification may apply at group or infrastructure level rather than specifically to intersbet.com alone.

Incident response

  • Detection and response: We monitor systems for unusual activity and have procedures for investigating potential incidents, including suspected breaches of personal data.
  • Notification: Where a personal data breach is likely to result in a risk to your rights and freedoms, we will notify the relevant supervisory authority and, where required by law, inform affected individuals without undue delay, describing the nature of the breach, likely consequences and measures taken.

REFLECT: While no system can be completely secure, we continuously assess and improve our controls to maintain a level of security appropriate to the risks associated with operating licensed online gambling services in the UK and other regulated markets.

Complaints & Contacts

OBSERVE: You have the right to raise questions or complaints about how we process your personal data. We encourage you to contact us first so we can try to resolve the matter.

Contacting us

  • Primary privacy contact: [email protected]
  • Data Protection Officer: [email protected]
  • Postal address: Data Protection Officer, ProgressPlay Limited, Soho Office, 3A, Punchbowl Centre, Elia Zammit Street, St. Julian's, STJ3154, Malta.

Internal complaint procedure

  1. Step 1 - Submit your complaint: Contact us via email or post, clearly describing your concern (for example, access request handling, marketing preferences, security concerns, or alleged misuse of data).
  2. Step 2 - Acknowledgement: We will acknowledge receipt of your complaint as soon as reasonably practicable, typically within a few working days.
  3. Step 3 - Investigation: The relevant team, in coordination with our DPO where appropriate, will investigate the matter, which may include reviewing system logs, communications, and applicable policies.
  4. Step 4 - Response: We aim to provide a substantive response within one (1) month. For complex cases, we may extend this period, informing you of the reasons and expected timeframe.
  5. Step 5 - Further steps: If you remain dissatisfied, you may escalate the matter to a competent supervisory authority as described below.

Supervisory authorities

  • United Kingdom (primary authority for UK players): You can lodge a complaint with the Information Commissioner's Office ("ICO") if you believe your data protection rights have been infringed:
    • Website: www.ico.org.uk
    • Helpline (UK): 0303 123 1113 (or as updated by the ICO)
  • European Economic Area / Malta: For players whose data is processed under the EU GDPR (for example, certain non-UK players served under the MGA licence), you may raise concerns with your local EU supervisory authority or with the Maltese Information and Data Protection Commissioner (IDPC):
    • Website: idpc.org.mt
  • Mexico (where applicable): If Mexican data protection law applies to you, you may have the right to lodge a complaint with the National Institute for Transparency, Access to Information and Personal Data Protection (Instituto Nacional de Transparencia, Acceso a la Información y Protección de Datos Personales - INAI):
    • Website: www.inai.org.mx

REFLECT: You can exercise your right to lodge a complaint with a supervisory authority without first contacting us, but we recommend approaching us initially so that we can attempt to resolve your concerns quickly and effectively.

Updates

OBSERVE: We may update this Privacy Policy from time to time to reflect changes in our processing activities, legal obligations or regulatory expectations, including those arising from developments in UK, EU or Mexican data protection and gambling regulation.

How we will inform you

  • Website publication: The most current version of this Privacy Policy will always be available at https://intersbet.com/privacy-policy.
  • In-account notifications: For significant changes, we may display notices within your intersbet.com account (for example, banners or pop-up messages) and ask you to review the updated terms.
  • Email or other direct communications: Where required by law or where changes are material, we may also notify you via email or other contact details linked to your account.

Timing and your options

  • Advance notice: For material changes that significantly affect how we process your data, we will, where practicable, provide at least thirty (30) days' notice before the changes take effect, especially where we rely on your consent or where your existing choices could be impacted.
  • Review and consent: Continued use of intersbet.com after the effective date of an updated Privacy Policy generally indicates your acknowledgement of the changes. Where consent is required for new processing activities, we will seek it separately.
  • Right to object or close your account: If you do not agree with material changes, you may object to certain processing, adjust your privacy settings, withdraw consent where applicable, or close your account. We will explain the consequences of such actions, including any impact on your ability to use our services.

REFLECT: For transparency, we maintain version control of this Privacy Policy. The "Last updated" date below indicates when this version came into effect.

Last updated: January 2026