Meadows Management Pty Ltd (ACN: 651 288 390) trading as ZYLO ("ZYLO", "we", "us", "our") is committed to protecting your personal information. This Privacy Policy outlines how we collect, use, store, and disclose your personal information in accordance with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth).

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This policy applies to your use of the ZYLO website (the "Site") and our peer-to-peer (P2P) trading services ("Services") conducted on third-party platforms. By using our Site or Services, you agree to the collection and use of information in accordance with this policy.

As we do not operate our own trading platform or user accounts, the personal information we collect is limited. The types of information we may collect include:

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• Information from P2P Platforms: When you trade with us, we receive your verified name and other details provided by the P2P platform, along with your transaction history with us.

• Payment Information: When you send or receive a fiat payment (e.g., Australian Dollars), we will see the name on the bank account, BSB, and account number associated with the transaction.

• Information You Provide Directly: When you contact us via our contact form or email, we collect your name, email address, and the content of your message.

• Website Usage Data: We may use cookies to collect non-personally identifiable information about your interaction with our Site, such as your IP address, browser type, and pages visited, to help us improve our services.

We collect and use your personal information for the following purposes:

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• To Provide Our Services: To successfully complete your P2P transactions.

• To Comply with Legal Obligations: To meet our compliance requirements under Australian law, particularly our AML/CTF obligations as an AUSTRAC-registered entity.

• To Communicate With You: To respond to your inquiries, provide support, and resolve disputes.

• For Security: To monitor for and prevent fraudulent, unauthorised, or illegal activities.

• To Improve Our Website: To analyse usage patterns and improve the user experience on our Site.

We will not sell or rent your personal information. We may disclose your information to the following parties only when necessary:

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• Regulatory Bodies: To AUSTRAC, law enforcement agencies, and other government bodies as required by law.

• Third-Party P2P Platforms: To assist in the resolution of a trade dispute.

• Financial Institutions: To our banking partners to process payments and investigate transaction inquiries.

• Professional Advisors: To our lawyers, accountants, and auditors for the purpose of seeking professional advice.

We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification, or disclosure. This includes implementing administrative and technical security measures. Your information may be stored on secure cloud servers, which may be located outside of Australia. Where data is stored overseas, we take steps to ensure the provider is subject to similar privacy and security standards.

Our Site may use 'cookies' to enhance user experience. Cookies are small files placed on your device that help us analyse web traffic. You can choose to accept or decline cookies through your browser settings. Declining cookies may prevent you from taking full advantage of the website.

You have the right to request access to the personal information we hold about you and to request its correction. To do so, please contact us via the details below. Please note that for much of your personal data (such as your KYC documents), you will need to contact the Host Platform where you created your account directly.

If you have any questions about this Privacy Policy, wish to access or correct your information, or want to make a complaint about a possible breach of the Australian Privacy Principles, please contact us at: connect@zylo.digital

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We will take all complaints seriously and will respond to you within a reasonable timeframe.