2.1 Personal Information You Provide

We collect personal information that you voluntarily provide to us, including:

• • Contact Information: Full name, email address, phone number, postal address
• • Identity Information: Date of birth, nationality, passport or driving license details
• • Financial Information: Bank account details, transaction history, source of funds documentation
• • Business Information: Company registration details, business purpose, financial statements
• • Transaction Details: Transfer amounts, currencies, beneficiary information, purpose codes
• • Communication Records: Emails, chat logs, phone call recordings, support tickets

2.2 Information Collected Automatically

When you visit our website or use our services, we automatically collect:

• • Technical Data: IP address, browser type and version, device type, operating system
• • Usage Data: Pages visited, time spent on site, click-through rates, download errors
• • Location Data: General geographic location based on IP address
• • Cookies and Tracking: Session cookies, preference cookies, analytics cookies

2.3 Information from Third Parties

We may receive information about you from:

• • Credit reference agencies and fraud prevention services
• • Identity verification services and AML screening providers
• • Our FCA-regulated partner brokers
• • Public databases and registries

4.1 Service Provision

• • Connect you with appropriate FCA-regulated FX brokers
• • Facilitate cross-border payment processing and transfers
• • Provide custom software development and integration services
• • Offer consultation and advisory services

4.2 Regulatory Compliance

• • Conduct KYC (Know Your Customer) and AML (Anti-Money Laundering) checks
• • Monitor transactions for suspicious activity
• • Report to relevant authorities as required by law
• • Maintain records for regulatory inspection

4.3 Business Operations

• • Risk assessment and management
• • Customer support and communication
• • Service improvement and development
• • Marketing and business development (with consent)

5.1 Partner Brokers

We share necessary information with FCA-regulated partner brokers to facilitate your transactions. All partners are contractually bound to protect your data and comply with UK data protection laws.

5.2 Service Providers

We may share information with trusted third-party service providers who assist us in:

• • Identity verification and compliance screening
• • Payment processing and banking services
• • IT infrastructure and software development
• • Customer support and communication platforms
• • Legal, accounting, and professional advisory services

5.3 Legal Requirements

We may disclose your information when required by law or regulation, including to:

• • HM Revenue & Customs (HMRC)
• • Financial Conduct Authority (FCA)
• • National Crime Agency (NCA)
• • Other regulatory bodies and law enforcement agencies

5.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections.

8.1 Right of Access

Request copies of your personal data and information about how we process it.

8.2 Right to Rectification

Request correction of inaccurate or incomplete personal data.

8.3 Right to Erasure

Request deletion of your personal data (subject to regulatory retention requirements).

8.4 Right to Restrict Processing

Request limitation of processing in certain circumstances.

8.5 Right to Data Portability

Request transfer of your data to another service provider in a structured format.

8.6 Right to Object

Object to processing based on legitimate interests or for direct marketing purposes.

Data Protection Officer

Regulatory Complaints

If you are unsatisfied with our response to your privacy concerns, you have the right to lodge a complaint with:

2.1 Company Details

• • Company Name: Deekaye Solutions Limited
• • Registered Address: 171 High Street, Hounslow, England, TW3 1QL
• • Contact: +44 20 8058 1582 | info@deekaye.com
• • Established: August 2024

2.2 Regulatory Position

We operate as an intermediary service provider and do not hold FCA authorization for payment services or foreign exchange dealing. All FX transactions are facilitated through our network of FCA-regulated partner brokers who hold the necessary regulatory permissions.

3.1 FX Brokerage Connection Services

We provide intermediary services connecting UK-based clients with FCA-regulated foreign exchange brokers. Our services include:

• • Broker selection and vetting based on client requirements
• • Rate comparison and negotiation assistance
• • Transaction facilitation and coordination
• • Ongoing relationship management and support
• • Compliance assistance and documentation support

Important: We do not execute FX transactions directly. All foreign exchange dealings are conducted by our FCA-regulated partner brokers.

3.2 Cross-Border Payment Services

We facilitate cross-border payments for various purposes including:

• • International property purchases and completions
• • Business-to-business payments and trade finance
• • Educational fees and living expenses abroad
• • Family support and remittance payments
• • Investment and portfolio management transfers
• • Corporate treasury and cash management

3.3 Custom Financial Software Development

We develop and implement custom software solutions including:

• • Payment processing and transaction management systems
• • Multi-currency accounting and reconciliation platforms
• • AML monitoring and compliance management tools
• • Customer support and ticket management systems
• • Risk assessment and automated screening solutions
• • API integrations and data migration services

3.4 Consultation and Advisory Services

We provide expert guidance on:

• • Cross-border payment strategies and risk management
• • Regulatory compliance and documentation requirements
• • Currency hedging and forward contract strategies
• • Technology implementation and process optimization

4.1 Eligibility Criteria

Our services are available to:

• • UK residents (individuals and sole traders)
• • UK-registered companies and partnerships
• • Individuals aged 18 or older with legal capacity
• • Entities that can legally enter into binding contracts
• • Clients who pass required identity verification and compliance checks

4.2 Know Your Customer (KYC) Requirements

Before providing services, we must complete KYC procedures including:

• • Identity verification using government-issued photo ID
• • Address verification through utility bills or bank statements
• • Source of funds documentation and verification
• • Enhanced due diligence for high-risk clients or large transactions
• • Ongoing monitoring and periodic review of client information

4.3 Prohibited Clients and Activities

We cannot provide services to:

• • Individuals or entities on sanctions lists or PEP databases
• • Clients involved in high-risk jurisdictions or activities
• • Money service businesses or cryptocurrency exchanges
• • Clients who refuse to provide required documentation
• • Any party involved in illegal or prohibited activities

5.1 Information Accuracy

You agree to provide accurate, complete, and up-to-date information at all times and promptly notify us of any changes to your circumstances, contact details, or financial situation.

5.2 Legal Compliance

You must:

• • Comply with all applicable laws and regulations in relevant jurisdictions
• • Ensure all transactions are for legitimate purposes
• • Obtain necessary permissions for international transfers
• • Report transactions to tax authorities as required
• • Not use our services for money laundering or terrorist financing

5.3 Cooperation with Compliance

You agree to cooperate fully with our compliance procedures, including providing additional documentation when requested and participating in periodic reviews of your account and transactions.

5.4 Payment of Fees

You agree to pay all applicable fees and charges as disclosed and accepted by you before service provision. Payment terms are typically 30 days from invoice date unless otherwise agreed.

6.1 Service Fees

Our fees may include:

• • Broker connection and introduction fees
• • Transaction facilitation and management fees
• • Software development and licensing fees
• • Consultation and advisory service charges
• • Ongoing support and maintenance fees

6.2 Third-Party Costs

FX spreads, transfer fees, and other charges imposed by partner brokers or financial institutions are separate from our fees and are disclosed by the relevant service provider.

6.3 Fee Disclosure

All fees are disclosed in writing before you commit to any service. We provide clear breakdowns of all costs involved in your transaction or project.

7.1 Currency Risk

Foreign exchange rates fluctuate constantly and can result in gains or losses. Past performance is not indicative of future results. You should consider hedging strategies for significant exposures.

7.2 Regulatory Risk

International transfers may be subject to regulatory changes, sanctions, or restrictions that could affect timing or feasibility of transactions.

7.3 Operational Risk

While we maintain high operational standards, delays may occur due to bank processing times, compliance requirements, or technical issues beyond our control.

8.1 Scope of Liability

We shall not be liable for:

• • Actions, failures, or insolvency of third-party service providers
• • Market fluctuations in currency exchange rates
• • Delays caused by regulatory, compliance, or banking requirements
• • Force majeure events, including natural disasters or government actions
• • Indirect, incidental, consequential, or punitive damages
• • Loss of profits, business opportunities, or reputation

8.2 Maximum Liability

Our total liability for any claim shall not exceed the fees paid by you for the specific service giving rise to the claim, or £10,000, whichever is lower.

8.3 Time Limits

Any claim must be brought within 12 months of the date you became aware, or reasonably should have become aware, of the circumstances giving rise to the claim.

9.1 Our Intellectual Property

All content on our website, software solutions, documentation, and methodologies remain our intellectual property. You may not reproduce, distribute, modify, or create derivative works without written permission.

9.2 Custom Software

For custom software development, intellectual property rights will be specified in separate development agreements. Generally, you receive usage rights while we retain underlying IP in our methodologies and frameworks.

9.3 Client Data

You retain ownership of your data and information. We receive limited rights to process your data as necessary to provide our services.

11.1 Termination by Client

You may terminate our services at any time by providing 30 days' written notice. You remain liable for fees incurred before termination.

11.2 Termination by Company

We may terminate services immediately if you:

• • Breach these terms or fail to pay fees
• • Provide false or misleading information
• • Engage in prohibited activities or illegal conduct
• • Fail to cooperate with compliance procedures

11.3 Effect of Termination

Upon termination, we will complete pending transactions where possible and return any funds held on your behalf, subject to regulatory requirements and outstanding fees.

12.1 Internal Complaints Procedure

If you have a complaint, please contact us in writing with full details. We will acknowledge your complaint within 3 business days and provide a substantive response within 15 business days.

12.2 Alternative Dispute Resolution

For unresolved disputes, we encourage mediation through the Centre for Effective Dispute Resolution (CEDR) before pursuing litigation.