Privacy Policy

Last updated: January 27, 2026

This Privacy Policy explains how 0VersT LTD ("we", "us", or "our") collects, uses, shares, and protects your personal information when you use our services, including the Vzr0 mobile application and related services.[file:1]

By using our services, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use our services. You can contact us at support@vzr0.com or business@vzr0.com with any questions.[file:1]

1. Information We Collect

We collect personal information that you voluntarily provide when you register, use our app, or contact us, as well as certain information collected automatically from your device.[file:1]

• Identification and contact details: name, email address, phone number, profile photo (where applicable), authentication data.[file:1]
• Financial and payment data: limited financial information required to provide services, including payment card details tokenised by our payment providers (such as Stripe) and transaction details for wallet top-ups, withdrawals, and transfers. We do not store your full card numbers, bank login credentials, or payment authentication data.[file:1]
• Connected account and financial data via Stripe Financial Connections (where you choose to connect a bank account), such as bank account identifiers and selected account and transaction information needed to provide our services (for example, funding your wallet, verifying account ownership, or assessing transaction risk). We do not share this Stripe Financial Connections data with third parties other than Stripe and our own systems used to operate Vzr0.[file:1][web:12]
• KYC and identity data processed by our KYC provider (Complycube), such as verification documents and checks, where required by law.[file:1]
• Application and device data: device identifiers, IP address, approximate location (where enabled), app usage data, crash logs, and push notification settings.[file:1]
• Social login data if you sign in with providers such as Google or other social platforms (for example, name, email address, and information you choose to share).[file:1]
• AI usage data: prompts, outputs, and related usage metadata for AI-powered features (spending insights, predictive analytics, chatbot assistance), used to provide and improve these features.[file:1]
• Cookie and tracking data from our websites and services, including analytics and similar technologies.[file:1]

2. How We Use Your Information

We process your personal information for the following purposes, relying on appropriate legal bases under applicable data protection laws.[file:1]

• To create and manage your account, authenticate you, and deliver the services you request (including wallet top-ups, withdrawals, card top-ups, and transfers).[file:1]
• To enable payment initiation, payouts, and other financial services using our regulated partners such as Stripe.[file:1]
• To use connected account data obtained via Stripe Financial Connections (where enabled by you) to fund your wallet, verify account ownership, support transaction risk checks, and provide relevant financial features.[file:1][web:12]
• To provide personalised financial insights, AI-powered spending analysis, predictive analytics, and chatbot assistance.[file:1]
• To monitor for and help prevent fraud, enhance security, and protect the integrity of our platform.[file:1]
• To analyse usage trends, improve app performance, fix bugs, and develop new features.[file:1]
• To comply with legal and regulatory obligations, including KYC, AML, and reporting requirements.[file:1][web:12]
• To communicate with you about your account, transactions, updates to our terms or policies, and relevant service information.[file:1]
• To enforce our legal rights and protect the rights, property, or safety of us, our users, or others.[file:1]

3. Legal Bases We Rely On

Where required (for example, in the UK, EEA, and Switzerland), we process your personal information under the following legal bases:[file:1]

• Consent: when you have given clear consent for us to process your data for a specific purpose (for example, certain marketing or AI features).[file:1]
• Performance of a contract: to provide and manage your account and deliver the services you have requested.[file:1]
• Legitimate interests: to maintain and improve our services, prevent fraud, and ensure the security and stability of our platform, where these interests are not overridden by your rights.[file:1][web:12]
• Legal obligations: to comply with laws, regulations, and requests from regulators and law enforcement.[file:1]
• Vital interests: to protect the safety of any person where necessary.[file:1]

4. When and With Whom We Share Your Information

We do not sell your personal information. We share information only as necessary to provide our services, comply with the law, or protect our rights.[file:1]

• Payment and financial partners: including Stripe, to process payments, wallet funding, withdrawals, and other transactions. Where you use Stripe Financial Connections, Stripe may access and process your connected account data as described in its own terms and privacy notices.[file:1][web:12]
• KYC and compliance providers: including Complycube, for identity verification, fraud prevention, and regulatory checks.[file:1]
• AI service providers: such as Google Cloud AI or equivalent providers, to power AI-based features (for example, insights, predictions, chatbot). Your inputs, outputs, and related data may be processed by these providers in line with our agreements.[file:1]
• Analytics, logging, and infrastructure partners: to provide usage analytics, performance monitoring, error tracking, and secure hosting of our services.[file:1]
• Business transfers: in connection with a merger, acquisition, or sale of all or part of our business or assets.[file:1]
• Legal and regulatory: to comply with legal obligations, enforce our terms, or respond to lawful requests from public authorities.[file:1]

5. Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar technologies to operate and secure our services, remember your preferences, and analyse how our services are used.[file:1]

Where required by law, you can manage your cookie preferences using your browser settings or any cookie controls we provide. For more details, please refer to our Cookie Notice (where available).[file:1]

6. AI Features and Your Choices

Vzr0 offers AI-powered features such as spending insights, predictive analytics, and financial chatbot support, which rely on processing your transaction and usage data.[file:1]

You can opt out of certain AI features, where available, by updating your preferences in the app settings. Opting out may limit some functionality but will not affect core payment and account services.[file:1]

7. Data Retention and Security

We retain your personal information only for as long as necessary to fulfil the purposes described in this Privacy Policy, unless a longer period is required by law (for example, tax or regulatory requirements).[file:1]

We implement appropriate technical and organisational measures to protect your information. However, no method of transmission or storage is completely secure, and you use the services at your own risk. We recommend accessing Vzr0 only from a secure environment.[file:1]

8. Children and Minors

We do not knowingly collect data from, or market to, children under 18 years of age. By using our services, you confirm that you are at least 18 years old or the parent/guardian of a minor who is permitted to use the services.[file:1]

If we become aware that we have collected personal information from a child under 18, we will deactivate the account and delete the information where required. If you believe this has occurred, please contact us at support@vzr0.com.[file:1]

9. Your Privacy Rights

Depending on where you live (for example, the UK, EEA, or Switzerland), you may have certain rights over your personal information.[file:1]

• Right to access and obtain a copy of your personal information.[file:1]
• Right to request correction (rectification) of inaccurate or incomplete data.[file:1]
• Right to request deletion of your personal information, in certain circumstances.[file:1]
• Right to restrict or object to certain processing activities.[file:1]
• Right to data portability, where applicable.[file:1]
• Right not to be subject to certain automated decision-making, including profiling.[file:1]
• Right to withdraw consent at any time, where processing is based on consent.[file:1]

You can exercise many of these rights by logging into your account settings or by contacting us at support@vzr0.com. We may need to verify your identity before responding to your request.[file:1]

You also have the right to lodge a complaint with your local data protection authority, such as the UK Information Commissioner's Office (ICO) or the relevant authority in your country or region.[file:1]

10. Do-Not-Track and Marketing Choices

Many browsers and operating systems include a Do-Not-Track (DNT) setting. At this time, there is no uniform standard for responding to DNT signals, and we do not currently respond to them. If such a standard is adopted, we will update this notice.[file:1]

11. International and Regional Disclosures

We aim to comply with applicable privacy laws, including UK GDPR, EU GDPR, and other relevant regulations in the regions where we operate. Where data is transferred outside your country, we use appropriate safeguards as required by law.[file:1][web:12]

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to stay compliant with relevant laws or to reflect changes in our services. The "Last updated" date at the top indicates when it was last revised.[file:1]

For material changes, we may notify you through the app, by email, or by posting a prominent notice on our website.[file:1]

13. Contact Us

If you have questions or concerns about this Privacy Policy or your personal information, you can contact us at:[file:1]

• Email: support@vzr0.com or business@vzr0.com[file:1]
• Postal address: 0VersT LTD, Bartle House, Manchester, M23WQ, United Kingdom[file:1]