Privacy Policy

This Privacy Policy is intended to help you understand what information we collect about you, why we use this information, and with whom we share this information. It also establishes your rights regarding your information and whom you can contact for more information or inquiries.

Whom does this privacy policy apply to and what does it cover?

This privacy policy applies to every member of the Rēfuê
Rēfuê recognizes the importance of protecting your personal and financial information and is committed to it. This Privacy Policy sets out how we collect, process, store, and protect information about you when:

  • we provide products or services to you or our client;

  • you visit or use our website;

  • performing any other actions that are part of our business.

When we refer to “our website” or “this website” in this Privacy Policy, we mean specific Rēfuê web pages
In this Privacy Policy, we may sometimes collectively refer to processing, collection, protection, and storage of your personal information.


What information do we collect?

In the course of providing products or services to you or our client and conducting checks in connection with our products or services, we usually collect personal information about you. We also usually collect personal information about you when you visit or use our website.
As a rule, we collect or receive your personal information because you provide it to us (for example, via a form on our website). We may also collect or receive personal information from you because we observe or display this information about you in the course of your interaction with us. For example, if you use our Rēfuê platform, we typically collect information about you to inform you about Rēfuê functionality updates and general information about Rēfuê To improve your experience of using this website and to ensure its effective functioning.
The personal information that we may collect depends on particular services, activities, or products that we undertake, but usually includes your name; age; Date of Birth; Gender; E-mail address; phone number; other contact details; Information about how you use any product or service provided by Rēfuê; publications in any blogs, forums, wikis and any other applications and services of social networks that we provide; IP address; browser and device type; The username you use for one of our products or services; language; time and duration of access; information about how you would like to use our website or interactive products, tools, other technologies or services that we provide to you or our clients; The websites you visited before and after visiting our website, details of how you like to communicate with us, and similar information.


How we use information about you

Because we provide our customers with a wide range of products and services, the ways we use personal information regarding our products and services vary. For example, we use personal information about you when:

  • You are using our Rēfuê platform;

  • we provide you or your employer with an insurance product or service;

  • You or your employer engage us to manage investments or similar services;

  • You personally invest in a product of a company managed by a Rēfuê member;

  • You engage a Rēfuê member to provide investment management services;

  • You provide us your personal information by email or via a web form.

How long do we keep your personal information?

We will store your personal information in Rēfuê for as long as necessary to achieve the purpose for which it was collected, or to comply with legal requirements, regulations, or internal policies.

Your rights and how to contact us

You have various rights regarding your personal information. In particular, you have the right to:

  • object to the processing of your personal information;

  • request a copy of the personal information we hold about you;

  • ask us to update the personal information we hold about you or to correct such personal information that you consider to be incorrect or incomplete;

  • ask us to delete the personal information about you that we store, or to restrict our use of such personal information;

  • withdraw consent for the processing of your personal information (if such processing is based on consent).

Cookie Policy

What are cookies?

Cookies are small text files that are stored in the memory of your computer and on your hard drive, on your mobile device or tablet when you visit certain web pages. They are used to operate websites or to provide information to website owners or other third parties, who receive data retrieved from this website.
When you visit any website, it can store or retrieve information from your browser, mainly in the form of cookies. This information may relate to you, your preferences, or your device and is mainly used to make the site work as you expect. Information usually does not directly identify you, but it can give you a more personalized web experience.


Why do we use cookies?

Cookies help us provide personalized services and information. We use cookies on our website, in general, to tell us how and when the pages on our website are visited, what are the technological preferences of our users - for example, what type of video player they use - and whether our website works in a proper way. Depending on their purpose, some cookies will only work for one browsing session, while others will have a longer lifespan to fulfill their long-term goals (as described in more detail below). Please note that no matter how long the cookie lifespan is, you can delete cookies (and therefore stop further collection of data), as described below.
If you use one of our password-protected websites, the Website may use cookies or other technologies to help us authenticate you, save and recognize your configuration and user attributes, simplify website navigation and configure its contents in such a way, so as that the information available is likely to be more interesting to you.