Privacy Policy

1. Introduction

At YB Advisors Ltd., we are committed to safeguarding your privacy and protecting your personal and business information. This Privacy Policy outlines how we collect, use, and protect the data of our clients, partners, and website users.

YB Advisors Ltd. is a financial and accounting advisory company registered under the laws of Liechtenstein. Our registration details are as follows:

• Company Name: YB Advisors Ltd.
• Legal Form: Aktiengesellschaft (AG)
• Registration Number: FL-0002.730.986-1
• Registered Address: Schaanerstrasse 99, Vaduz, 9490, Liechtenstein

This policy applies to all data collected through our website, services, or other interactions with the company. You agree to the terms outlined in this Privacy Policy by using our services or interacting with us.

2. Data We Collect

We collect and process the following types of information when you use our website or interact with our services:

Business and Personal Data

When you submit forms on our website, such as the call request form or consultation request form, we collect the information you provide, which may include:

• Your full name.
• Your email address.
• Your phone number.
• Your company name and position (if applicable).
• The nature of your inquiry (e.g., general financial questions, accounting, taxation).
• Any additional details you provide in your message or request.

Usage Data

When you visit our website, we may automatically collect certain information to enhance your user experience and improve our services. This may include:

• Your IP address.
• Browser type and version.
• Device information (e.g., operating system).
• Pages viewed and the time spent on the website.
• Cookies and similar tracking technologies (refer to the Cookie Policy for details).

Third-Party Data

In some cases, we may receive additional information about you from third-party sources, such as:

• Public directories or databases.
• Referrals from partners or associates.

Purpose of Data Collection

The data collected is used solely to:

• Process and respond to your inquiries.
• Provide the services or consultations you request.
• Improve our website’s functionality and user experience.
• Comply with legal obligations.

We ensure that all data collected is handled securely and only for the abovementioned purposes.

3. How We Use Your Data

We process the data you provide to deliver our services effectively, maintain communication, and ensure compliance with legal and regulatory requirements. Specifically, your data is used for the following purposes:

Providing and Improving Our Services

• To offer tailored financial consultations and accounting advisory services based on your specific inquiries or business needs.
• To develop and refine our service offerings, ensuring they align with industry standards and client expectations.

Communication

• To respond to your inquiries submitted via the call request or consultation request forms.
• To keep you informed about updates, relevant information, or changes to our services.
• To follow up on requests and ensure your satisfaction with our responses.

Legal and Regulatory Compliance

• To meet our legal and regulatory obligations under applicable laws, particularly those related to data protection and financial services.
• To ensure transparency and accountability in our operations.

Internal Record-Keeping and Business Operations

• To maintain accurate records of interactions with clients for service history and operational improvements.
• To analyze service performance and optimize internal workflows for better efficiency.

Your data is handled securely and only used for the purposes stated above. We do not sell, share, or otherwise misuse your personal or business information.

4. Legal Basis for Processing

YB Advisors Ltd. processes your data in compliance with applicable data protection laws, relying on the following legal bases:

Consent

• We process your data when you provide explicit consent, such as when you submit information through our call or consultation request forms.
• By filling out and submitting these forms, you agree to collect and use your data for specified purposes (e.g., responding to inquiries or providing consultations).

Contractual Necessity

• Processing your data may be necessary to fulfill our obligations under a contract, such as providing requested financial or accounting services.
• This includes using your data to deliver tailored advice, strategies, or consultations based on your business needs.

Legal Obligations

• We process your data to comply with applicable laws and regulations, particularly those governing financial services, data protection, and record-keeping.
• This ensures our operations remain transparent and legally compliant.

Legitimate Interest

We sometimes process your data to support our legitimate business interests, provided they do not override your rights and freedoms. These interests include:

• Enhancing and improving our services.
• Communicating with you regarding relevant updates.
• Ensuring the security and functionality of our website and operations.

By balancing these legal bases, we ensure your data is processed lawfully, transparently, and in alignment with your rights.

5. Data Sharing and Disclosure

YB Advisors Ltd. is committed to safeguarding your data and only shares it under specific circumstances that comply with legal and operational requirements.

Sharing with Service Providers

We may share your data with trusted service providers who assist us in delivering our services. These providers operate under strict confidentiality agreements and only process your data as necessary to support our operations, including:

• IT and Hosting Services: For secure data storage, website maintenance, and system functionality.
• Legal and Accounting Advisors: To ensure compliance with applicable laws and regulations.

Disclosure Required by Law or Regulatory Authorities

We may disclose your data if required to do so by law, regulation, or court order. This includes sharing information with regulatory bodies or other authorities to:

• Comply with applicable laws and legal obligations.
• Respond to lawful requests or investigations.
• Protect the company’s rights, safety, or property.

No Sale or Unauthorized Sharing

• We do not sell, rent, or otherwise disclose your data to third parties for commercial purposes.
• Your information is only shared as necessary for the provision of our services or in compliance with legal obligations.

Commitment to Data Security

Any data shared is handled with the utmost care and in accordance with strict confidentiality standards, ensuring it is used solely for its intended purpose.

6. Data Storage and Retention

YB Advisors Ltd. ensures your data is securely stored and retained in compliance with applicable data protection laws and best practices.

Data Storage

• Secure Storage Locations: All collected data is stored on secure servers in Liechtenstein or other regions compliant with EU data protection regulations. These servers adhere to stringent security protocols to safeguard your information.
• Security Measures: We employ robust measures, including encryption, firewalls, and access controls, to prevent unauthorized access, loss, or misuse of your data.

Retention Periods

• Business Purposes: We retain your data only for as long as it is necessary to fulfill the purposes for which it was collected, such as delivering services or responding to inquiries.
• Legal Obligations: Certain data may be retained longer to comply with legal, regulatory, or tax obligations, including record-keeping requirements.
• Archiving or Deletion: Once the retention period expires or the data is no longer needed, it will be securely deleted, anonymized, or archived by applicable laws.

By adhering to these practices, we ensure your data is managed responsibly and securely throughout its lifecycle.

7. Security Measures

At YB Advisors Ltd., we prioritize protecting your data by implementing robust security measures and are committed to maintaining its confidentiality, integrity, and availability.

Technical Security Measures

• Encryption: All sensitive data is encrypted during transmission and storage to protect it from unauthorized access.
• Firewalls and Intrusion Detection: Advanced firewalls and intrusion detection systems are in place to monitor and prevent unauthorized network access.
• Secure Access Controls: Data access is restricted to authorized personnel, using secure authentication methods, including multi-factor authentication.
• Regular Security Updates: Systems and software are regularly updated to protect against vulnerabilities and threats.

Organizational Security Measures

• Employee Training: Staff members receive ongoing training to ensure they follow best practices for data protection and recognize potential security risks.
• Confidentiality Agreements: All employees and contractors handling sensitive data are required to sign strict confidentiality agreements.
• Incident Response Plan: A clear incident response plan is in place to detect, contain, and resolve security breaches swiftly.

Commitment to Ongoing Security

• Regular Assessments: We conduct security audits and risk assessments to identify and address vulnerabilities proactively.
• Adapting to New Threats: We continuously update our security protocols to align with the latest standards and technologies as cyber threats evolve.

These measures ensure that your data remains protected against unauthorized access, loss, or misuse.

8. International Data Transfers

YB Advisors Ltd. ensures that any data transfer outside Liechtenstein fully complies with applicable data protection laws, including the General Data Protection Regulation (GDPR).

Transfers Within Compliant Regions

Data may be transferred to countries or regions that provide adequate data protection as determined by the European Commission, ensuring the continued safeguarding of your information.

Safeguards for Non-Compliant Regions

For transfers to countries that do not provide an equivalent level of data protection, we implement additional safeguards, such as:

• Standard Contractual Clauses (SCCs): Agreements that ensure your data receives the same level of protection as it does within the EU/EEA.
• Binding Corporate Rules (BCRs): Internal policies approved by data protection authorities to ensure secure data processing across our operations.
• Explicit Consent: In certain cases, data transfers may only occur with your explicit consent after you have been informed of potential risks.

Data Protection Commitments

• Transparency: You will always be informed about the safeguards in place when your data is transferred internationally.
• Security: All data transfers are conducted through secure channels and with appropriate measures to prevent unauthorized access or loss.

By adhering to these practices, YB Advisors Ltd. ensures that your data remains protected, regardless of location.

9. Cookies and Tracking Technologies

YB Advisors Ltd. uses cookies and similar tracking technologies to enhance your experience on our website, analyze site traffic, and provide personalized content. Below is an overview of our cookies and how you can manage them.

What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They are widely used to make websites work efficiently and to provide information to website owners. Cookies help us remember your preferences, analyze how our website is used, and improve user experience.

Types of Cookies We Use

• Essential Cookies: These are necessary for the basic functioning of the website, such as enabling secure logins and navigating through different sections. Without these cookies, the website may not function properly.
• Performance Cookies: These cookies collect information about how visitors use our website, such as the pages viewed and any errors encountered. They help us improve the performance of our website.
• Functional Cookies: These cookies allow the website to remember your preferences (language or region) and provide a more personalized experience.
• Targeting or Advertising Cookies: These cookies are used to deliver relevant advertisements to you based on your browsing activity. They help us track the effectiveness of our marketing campaigns.

Managing Cookies

You have control over how cookies are used on your device. You can manage or disable cookies by adjusting the settings in your browser. Here’s how to manage cookies in some of the most common browsers:

• Google Chrome: Go to "Settings" > "Privacy and security" > "Cookies and other site data" to adjust your preferences.
• Mozilla Firefox: Go to "Options" > "Privacy & Security" > "Cookies and Site Data" to manage cookie settings.
• Safari: Go to "Preferences" > "Privacy" and select "Cookies and website data" to customize your preferences.

You can also disable cookies entirely; however, please note that some parts of the website may not function correctly if cookies are disabled.

Your Consent

By continuing to use our website, you consent to the use of cookies, as described in this section. If you prefer not to have cookies placed on your device, you can adjust your browser settings accordingly. You may also withdraw your consent anytime by clearing cookies from your browser.

10. User Rights

As a user, you have certain rights regarding your personal data under data protection laws, such as the GDPR. These rights give you greater control over your data collection, storage, and use. Below is an overview of your rights and how you can exercise them:

Right to Access

You have the right to request a copy of the personal data we hold about you. This includes access to information such as your contact details, the nature of the data collected, and how it is being used.

Right to Rectify

If you believe any of the personal data we hold is incorrect or incomplete, you have the right to request corrections or updates.

Right to Erasure (Right to be Forgotten)

In certain circumstances, you may request that we delete your data. This may include situations where the data is no longer necessary for the purposes for which it was collected or if you withdraw your consent and no other legal basis for processing exists.

Right to Object to Processing

You have the right to object to our processing of your data in certain situations, particularly when processing is based on legitimate interests or direct marketing purposes. In such cases, we will stop processing your data unless we have compelling, legitimate grounds to continue.

Right to Data Portability

You can receive a copy of your personal data in a structured, commonly used, and machine-readable format. Where technically feasible, you may also request that your data be transferred directly to another service provider.

Right to Restrict Processing

You have the right to request that we temporarily stop processing your personal data under specific circumstances, such as when you contest its accuracy or have objected to its processing.

How to Exercise Your Rights

To exercise any of these rights, please contact us using the following methods:

• Email: [email protected]
• Website: Use the contact form available on our website for specific inquiries.
• Postal Address: Schaanerstrasse 99, Vaduz, Postal Code: 9490, Liechtenstein

We will respond to your request within the legally required time frame, typically within one month, unless the request is particularly complex or numerous, in this case, we may extend this period by an additional two months.

Right to Lodge a Complaint

If you believe we are not processing your data in accordance with data protection laws, you have the right to complain to the relevant data protection authority in your jurisdiction.

By exercising your rights, you can ensure that your data is handled to meet your expectations and comply with applicable regulations.

11. Updates to the Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time to reflect changes in our practices, services, legal obligations, or for other business reasons. We may also update the policy to comply with changes in applicable data protection laws or regulations.

Notification of Changes

If we make significant changes to this Privacy Policy, we will notify users through the following means:

• Email Notification: We may email the address you provided to inform you of any material changes.
• Website Notice: We will post a prominent notice indicating that the Privacy Policy has been updated and a link to the new version.

The updated policy will be effective as of the date specified in the "Last Updated" section at the top of the policy.

Encouragement to Review Regularly

We encourage you to review this Privacy Policy regularly to stay informed about how we safeguard your personal data. Regular reviews will ensure you know any changes and how they may impact how we handle your information.

By continuing to use our services after updates are posted, you accept the updated Privacy Policy and agree to its terms.

12. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or the way your personal data is handled, please contact us through the following means:

• Email: [email protected]
• Website: www.ybadvisors.li

We are committed to addressing your inquiries and resolving any issues related to your privacy and data protection in a timely manner.