## *1. Privacy Policy (Global Compliance Version)*
### *1. Introduction*
Pips Marketing Management (“PipsPro”, “we”, “our”, “us”) operates globally as a digital solutions provider offering trading tools, analytics, and educational services via [pipspro.ae](https://pipspro.ae).
We are committed to protecting your privacy and ensuring the lawful, transparent, and secure processing of your personal information, regardless of where you live or operate.
This Privacy Policy applies to all users and merchants worldwide and complies with major privacy frameworks, including *UAE PDPL, EU GDPR, UK DPA, US CCPA/CPRA, Canada PIPEDA, and APAC PDP frameworks*.
—
### *2. Data Controller*
Pips Marketing Management acts as the *Data Controller* for personal data collected through our website, platform, or affiliated applications.
In some cases (e.g., payment processing or identity verification), third-party partners act as *Data Processors* or *Independent Controllers* under their own legal frameworks.
—
### *3. Personal Data We Collect*
We collect and process the following data globally, depending on your interaction:
• *Identification Data:* Name, DOB, nationality, gender, Emirates ID/passport, trade license (for merchants)
• *Contact Data:* Email, phone number, address, billing details
• *Financial Data:* Tokenized card numbers, payment gateway IDs, IBANs, transaction logs
• *Technical Data:* IP, browser, device, operating system, cookies, session logs
• *Usage Data:* Clickstream, session duration, access history, support interactions
• *Verification Data:* KYC/KYB records, compliance checks, and anti-fraud reports
—
### *4. How We Use Your Data*
Your data is processed under legitimate purposes and legal bases across all jurisdictions:
| Purpose | Global Legal Basis |
| —————————————– | ————————————– |
| Service registration & account management | Contractual necessity |
| Payment, billing, and refunds | Contractual necessity |
| Identity & KYC verification | Legal obligation |
| Fraud prevention, AML/CFT compliance | Legal obligation / Legitimate interest |
| Communication, notifications, and support | Legitimate interest |
| Marketing (opt-in only) | Consent |
| Legal or regulatory reporting | Legal obligation |
| Analytics & performance improvement | Legitimate interest |
—
### *5. Data Transfers & Global Storage*
We may transfer and store data on secure servers located in *the UAE, EU, the United States, or other regions* with equivalent privacy standards.
All cross-border transfers comply with *GDPR Chapter V* and *UAE PDPL international transfer conditions*, using Standard Contractual Clauses (SCCs), adequacy decisions, or binding corporate rules (BCRs).
—
### *6. Data Sharing & Third Parties*
We may share personal data with:
1. *Payment Gateways & Acquirers* (e.g., Stripe, Checkout.com, PayTabs, PayPal)
2. *Verification & KYC Providers* (e.g., SumSub, Onfido, ShuftiPro)
3. *Hosting & IT Providers* (e.g., AWS, Google Cloud, Microsoft Azure)
4. *Analytics Tools* (e.g., Google Analytics, Hotjar, Mixpanel)
5. *Legal, Regulatory, or Government Authorities* (when required by law)
We *do not sell* personal data to third parties.
—
### *7. Cookies & Tracking Technologies*
We use cookies and tracking tools globally in compliance with *EU ePrivacy Directive, **US Privacy Laws, and **UAE PDPL*.
Users can manage cookies through the site’s *cookie consent panel* or their browser settings.
—
### *8. Data Retention & Deletion*
We retain data only for as long as necessary to fulfill the purpose collected or as required by law:
| Data Type | Retention Period |
| ————————– | ——————– |
| Transaction & billing data | Up to 7 years |
| KYC/AML verification data | 5 years post-closure |
| Communication logs | 2 years |
| Marketing preferences | Until withdrawal |
—
### *9. Data Security*
We maintain enterprise-grade security controls:
• *Encryption:* AES-256 at rest / TLS 1.3 in transit
• *Access Control:* MFA, role-based permissions, audit logging
• *Certifications:* PCI-DSS, ISO 27001 principles applied
• *Monitoring:* 24/7 network surveillance and automated breach detection
—
### *10. Your Global Privacy Rights*
Depending on your region, you may exercise the following rights:
| Right | Available Under |
| ———————————- | ——————————————— |
| Access / Copy of your data | GDPR, CCPA, PDPL |
| Correction / Update | GDPR, PDPL, PIPEDA |
| Deletion (“Right to be Forgotten”) | GDPR, PDPL |
| Restrict or Object to Processing | GDPR, PDPL |
| Withdraw Consent | GDPR, PDPL, CCPA |
| Data Portability | GDPR, PDPL |
| Lodge a Complaint | GDPR (Supervisory Authority), UAE Data Office |
Submit requests to: *[privacy@pipspro.ae](mailto:privacy@pipspro.ae)*
—
### *11. Data Breach & Notification*
If a data breach is detected that may risk your rights, we will notify affected users and the appropriate regulatory authorities in compliance with *EU, UAE, and U.S. laws*.
—
### *12. Children’s Data*
Our services are not directed toward minors under 18.
We do not knowingly collect or process personal data of minors without verified parental consent.
—
### *13. Contact Information*
*Pips Marketing Management*
Email: *[privacy@pipspro.ae](mailto:privacy@pipspro.ae)*
Phone: *+971 XXX XXX XXX*
Address: [Insert Full Business Address]
—
## *2. Refund & Cancellation Policy (Global)*
### *1. Overview*
Pips Marketing Management provides *digital and subscription-based services* accessible globally.
We maintain a *transparent and fair refund policy* to protect customers and comply with *consumer protection laws worldwide* (UAE, EU, UK, US, and others).
—
### *2. General Policy*
Because our products are *digital, licensed, or instantly delivered*, refunds are granted only in the following cases:
• Duplicate or accidental charge
• Failed or undelivered service due to verified system error
• Unauthorized or fraudulent transaction confirmed by our payment gateway
Refunds are *not available* for:
• Activated licenses, downloads, or accessed content
• Partially used subscriptions
• Performance dissatisfaction not caused by a system fault
—
### *3. Subscription Services*
• Subscription renewals occur automatically unless cancelled at least *48 hours before the renewal date*.
• Users can cancel via their account dashboard or by emailing *[billing@pipspro.ae](mailto:billing@pipspro.ae)*.
• Refunds for partially used subscriptions are *not available* once renewal is processed.
—
### *4. Refund Process*
Approved refunds will be processed within *7–14 business days* through the original payment channel.
Processing time may vary depending on your bank or region.
—
### *5. Chargebacks*
Initiating a chargeback before contacting our support team may result in account suspension.
Please reach out to *[support@pipspro.ae](mailto:support@pipspro.ae)* for resolution first.
—
## *3. Delivery / Fulfilment Policy (Global)*
### *1. Delivery Model*
All products and services from *PipsPro.ae* are *digital* and accessible globally.
We do not deliver any physical goods.
• Instant digital access is granted upon successful payment.
• Activation keys, files, or credentials are delivered via secure email or user dashboard.
• For verification-based services, delivery may take *up to 48 hours* for compliance validation.
—
### *2. Failed or Delayed Delivery*
If you do not receive your product within the expected time frame, contact *[support@pipspro.ae](mailto:support@pipspro.ae)* with your *Order ID*.
If confirmed undelivered, access will be reissued or refunded.
—
### *3. Transaction Failures*
If your payment is debited but the transaction fails, your amount will be *automatically reversed* by your card-issuing bank within *7–10 business days*.
—
## *4. Terms & Conditions (Global)*
### *1. Acceptance*
By using *PipsPro.ae*, you agree to abide by these Terms, the Privacy Policy, Refund Policy, and Delivery Policy.
If you disagree, please discontinue use immediately.
—
### *2. Global Access*
Our services are available worldwide except in jurisdictions where such activity is restricted by law.
You are responsible for ensuring compliance with local regulations.
—
### *3. Services Provided*
Pips Marketing Management offers digital trading tools, analytics systems, mentorship, and software licenses.
We reserve the right to modify or discontinue services without prior notice.
—
### *4. Payments*
• All transactions are processed securely via *PCI-DSS-certified* gateways.
• Prices are displayed in AED or USD, depending on region.
• Taxes or cross-border fees may apply.
—
### *5. Compliance & Prohibited Use*
You agree not to:
• Use our products for unlawful or fraudulent purposes
• Infringe intellectual property or redistribute proprietary tools
• Circumvent license controls or security features
• Violate any applicable AML/CFT, export, or financial regulations
—
### *6. Limitation of Liability*
To the fullest extent permitted by law:
• Pips Marketing Management is not liable for financial losses, indirect, or consequential damages.
• Our digital tools are provided *“as is”* without warranty or guarantee of performance.
—
### *7. Account Termination*
We may suspend or terminate accounts if:
• Fraudulent or abusive activity is detected
• Payment disputes or chargebacks occur
• Terms or applicable laws are violated
—
### *8. Governing Law*
This Agreement shall be governed by and construed under the laws of the *United Arab Emirates*,
while respecting the consumer protection and data laws of your local jurisdiction.
—
### *1. Introduction*
Pips Marketing Management (“PipsPro”, “we”, “our”, “us”) operates globally as a digital solutions provider offering trading tools, analytics, and educational services via [pipspro.ae](https://pipspro.ae).
We are committed to protecting your privacy and ensuring the lawful, transparent, and secure processing of your personal information, regardless of where you live or operate.
This Privacy Policy applies to all users and merchants worldwide and complies with major privacy frameworks, including *UAE PDPL, EU GDPR, UK DPA, US CCPA/CPRA, Canada PIPEDA, and APAC PDP frameworks*.
—
### *2. Data Controller*
Pips Marketing Management acts as the *Data Controller* for personal data collected through our website, platform, or affiliated applications.
In some cases (e.g., payment processing or identity verification), third-party partners act as *Data Processors* or *Independent Controllers* under their own legal frameworks.
—
### *3. Personal Data We Collect*
We collect and process the following data globally, depending on your interaction:
• *Identification Data:* Name, DOB, nationality, gender, Emirates ID/passport, trade license (for merchants)
• *Contact Data:* Email, phone number, address, billing details
• *Financial Data:* Tokenized card numbers, payment gateway IDs, IBANs, transaction logs
• *Technical Data:* IP, browser, device, operating system, cookies, session logs
• *Usage Data:* Clickstream, session duration, access history, support interactions
• *Verification Data:* KYC/KYB records, compliance checks, and anti-fraud reports
—
### *4. How We Use Your Data*
Your data is processed under legitimate purposes and legal bases across all jurisdictions:
| Purpose | Global Legal Basis |
| —————————————– | ————————————– |
| Service registration & account management | Contractual necessity |
| Payment, billing, and refunds | Contractual necessity |
| Identity & KYC verification | Legal obligation |
| Fraud prevention, AML/CFT compliance | Legal obligation / Legitimate interest |
| Communication, notifications, and support | Legitimate interest |
| Marketing (opt-in only) | Consent |
| Legal or regulatory reporting | Legal obligation |
| Analytics & performance improvement | Legitimate interest |
—
### *5. Data Transfers & Global Storage*
We may transfer and store data on secure servers located in *the UAE, EU, the United States, or other regions* with equivalent privacy standards.
All cross-border transfers comply with *GDPR Chapter V* and *UAE PDPL international transfer conditions*, using Standard Contractual Clauses (SCCs), adequacy decisions, or binding corporate rules (BCRs).
—
### *6. Data Sharing & Third Parties*
We may share personal data with:
1. *Payment Gateways & Acquirers* (e.g., Stripe, Checkout.com, PayTabs, PayPal)
2. *Verification & KYC Providers* (e.g., SumSub, Onfido, ShuftiPro)
3. *Hosting & IT Providers* (e.g., AWS, Google Cloud, Microsoft Azure)
4. *Analytics Tools* (e.g., Google Analytics, Hotjar, Mixpanel)
5. *Legal, Regulatory, or Government Authorities* (when required by law)
We *do not sell* personal data to third parties.
—
### *7. Cookies & Tracking Technologies*
We use cookies and tracking tools globally in compliance with *EU ePrivacy Directive, **US Privacy Laws, and **UAE PDPL*.
Users can manage cookies through the site’s *cookie consent panel* or their browser settings.
—
### *8. Data Retention & Deletion*
We retain data only for as long as necessary to fulfill the purpose collected or as required by law:
| Data Type | Retention Period |
| ————————– | ——————– |
| Transaction & billing data | Up to 7 years |
| KYC/AML verification data | 5 years post-closure |
| Communication logs | 2 years |
| Marketing preferences | Until withdrawal |
—
### *9. Data Security*
We maintain enterprise-grade security controls:
• *Encryption:* AES-256 at rest / TLS 1.3 in transit
• *Access Control:* MFA, role-based permissions, audit logging
• *Certifications:* PCI-DSS, ISO 27001 principles applied
• *Monitoring:* 24/7 network surveillance and automated breach detection
—
### *10. Your Global Privacy Rights*
Depending on your region, you may exercise the following rights:
| Right | Available Under |
| ———————————- | ——————————————— |
| Access / Copy of your data | GDPR, CCPA, PDPL |
| Correction / Update | GDPR, PDPL, PIPEDA |
| Deletion (“Right to be Forgotten”) | GDPR, PDPL |
| Restrict or Object to Processing | GDPR, PDPL |
| Withdraw Consent | GDPR, PDPL, CCPA |
| Data Portability | GDPR, PDPL |
| Lodge a Complaint | GDPR (Supervisory Authority), UAE Data Office |
Submit requests to: *[privacy@pipspro.ae](mailto:privacy@pipspro.ae)*
—
### *11. Data Breach & Notification*
If a data breach is detected that may risk your rights, we will notify affected users and the appropriate regulatory authorities in compliance with *EU, UAE, and U.S. laws*.
—
### *12. Children’s Data*
Our services are not directed toward minors under 18.
We do not knowingly collect or process personal data of minors without verified parental consent.
—
### *13. Contact Information*
*Pips Marketing Management*
Email: *[privacy@pipspro.ae](mailto:privacy@pipspro.ae)*
Phone: *+971 XXX XXX XXX*
Address: [Insert Full Business Address]
—
## *2. Refund & Cancellation Policy (Global)*
### *1. Overview*
Pips Marketing Management provides *digital and subscription-based services* accessible globally.
We maintain a *transparent and fair refund policy* to protect customers and comply with *consumer protection laws worldwide* (UAE, EU, UK, US, and others).
—
### *2. General Policy*
Because our products are *digital, licensed, or instantly delivered*, refunds are granted only in the following cases:
• Duplicate or accidental charge
• Failed or undelivered service due to verified system error
• Unauthorized or fraudulent transaction confirmed by our payment gateway
Refunds are *not available* for:
• Activated licenses, downloads, or accessed content
• Partially used subscriptions
• Performance dissatisfaction not caused by a system fault
—
### *3. Subscription Services*
• Subscription renewals occur automatically unless cancelled at least *48 hours before the renewal date*.
• Users can cancel via their account dashboard or by emailing *[billing@pipspro.ae](mailto:billing@pipspro.ae)*.
• Refunds for partially used subscriptions are *not available* once renewal is processed.
—
### *4. Refund Process*
Approved refunds will be processed within *7–14 business days* through the original payment channel.
Processing time may vary depending on your bank or region.
—
### *5. Chargebacks*
Initiating a chargeback before contacting our support team may result in account suspension.
Please reach out to *[support@pipspro.ae](mailto:support@pipspro.ae)* for resolution first.
—
## *3. Delivery / Fulfilment Policy (Global)*
### *1. Delivery Model*
All products and services from *PipsPro.ae* are *digital* and accessible globally.
We do not deliver any physical goods.
• Instant digital access is granted upon successful payment.
• Activation keys, files, or credentials are delivered via secure email or user dashboard.
• For verification-based services, delivery may take *up to 48 hours* for compliance validation.
—
### *2. Failed or Delayed Delivery*
If you do not receive your product within the expected time frame, contact *[support@pipspro.ae](mailto:support@pipspro.ae)* with your *Order ID*.
If confirmed undelivered, access will be reissued or refunded.
—
### *3. Transaction Failures*
If your payment is debited but the transaction fails, your amount will be *automatically reversed* by your card-issuing bank within *7–10 business days*.
—
## *4. Terms & Conditions (Global)*
### *1. Acceptance*
By using *PipsPro.ae*, you agree to abide by these Terms, the Privacy Policy, Refund Policy, and Delivery Policy.
If you disagree, please discontinue use immediately.
—
### *2. Global Access*
Our services are available worldwide except in jurisdictions where such activity is restricted by law.
You are responsible for ensuring compliance with local regulations.
—
### *3. Services Provided*
Pips Marketing Management offers digital trading tools, analytics systems, mentorship, and software licenses.
We reserve the right to modify or discontinue services without prior notice.
—
### *4. Payments*
• All transactions are processed securely via *PCI-DSS-certified* gateways.
• Prices are displayed in AED or USD, depending on region.
• Taxes or cross-border fees may apply.
—
### *5. Compliance & Prohibited Use*
You agree not to:
• Use our products for unlawful or fraudulent purposes
• Infringe intellectual property or redistribute proprietary tools
• Circumvent license controls or security features
• Violate any applicable AML/CFT, export, or financial regulations
—
### *6. Limitation of Liability*
To the fullest extent permitted by law:
• Pips Marketing Management is not liable for financial losses, indirect, or consequential damages.
• Our digital tools are provided *“as is”* without warranty or guarantee of performance.
—
### *7. Account Termination*
We may suspend or terminate accounts if:
• Fraudulent or abusive activity is detected
• Payment disputes or chargebacks occur
• Terms or applicable laws are violated
—
### *8. Governing Law*
This Agreement shall be governed by and construed under the laws of the *United Arab Emirates*,
while respecting the consumer protection and data laws of your local jurisdiction.
—