1. Introduction

Welcome to the Skargard.io website. These terms of use outline the conditions under which you may access and use our website, skargard.io (“our site”). They apply to all users and visitors.

By using our site, you agree to be bound by these terms of use, our Cookie Notice, and our Privacy Policy. If you do not agree with any part of these documents, please discontinue using our site immediately.

Our site is operated by Skärgård Invest. (“we” or “us”), licensed under number ( ). Our registered office is located at:. We are authorized and regulated by the:

We reserve the right to modify these terms of use, our site, or any content on our site at any time for reasons including security, legal, regulatory, or to reflect updates or changes to our services or site functionality.

Please check our site and these terms of use periodically to stay informed of any updates. Changes are binding on all users and take effect immediately upon posting the revised documentation on our site. Your continued use of our site signifies your acceptance of any modifications.

If you choose to become a seller or investor with us, you must comply with our Seller Terms or Investor Terms, as applicable. These website terms of use are supplementary to, and should be read in conjunction with, our Seller Terms or Investor Terms provided during the registration process.

2. Why Have a Privacy Policy?

Various laws establish important standards for handling information that identifies a living individual, known as "personal data." All organizations processing personal data must do so fairly and lawfully.

At Skargard.io, we take our data protection responsibilities seriously and comply with all applicable regulations when collecting, storing, and processing your personal data.

We are committed to collecting only the minimum necessary personal data required to provide and operate our services. This may include your name, address, contact details, and Anti-Money Laundering / Know Your Customer (AML/KYC) information. Additionally, our servers automatically collect and store certain data from all visitors to our website. Please refer to our Cookie Notice for more details on how we use cookies.

We will only record your personal data (beyond the automatic information mentioned above) once you have completed the registration process with us.

3. How Do We Collect Your Personal Data?

We collect your personal data in several ways, including:

• When you provide it directly, such as during registration, communication with us, or when using our services.

• When you invest in any of our offerings.

• If you participate in a competition or promotion.

• When you make payments or update your account details.

• Automatically, when you visit our website. This includes data collected through cookies and technical tracking, such as:

  • Internet Protocol (IP) address, login details, browser type and version, time zone settings, and operating system.

  • Website activity, including page visits, interactions (scrolling, clicks, mouse-overs), search queries, and navigation history (URL clickstream).

  • Performance data, such as page load times, errors, and time spent on specific pages.

  • Contact details used to communicate with customer service.

For more details on cookies and tracking technologies, please refer to our [Cookie Notice].

4. How Do We Use Your Personal Data?

We collect and use your personal data for the following key purposes:

• Assessing customer suitability for our products and services.

• Conducting AML (Anti-Money Laundering) and KYC (Know Your Customer) checks to verify identity, assess investor risk, and comply with regulatory requirements.

• Improving our services through market research and surveys.

• Preventing, detecting, and investigating financial crimes such as money laundering, terrorism financing, fraud, and other illegal activities.

• Complying with legal and regulatory obligations, including requests from authorities, financial regulators, or enforcement agencies.

• Seeking legal or professional advice in connection with legal proceedings, compliance, or the protection of our rights.

• Operating and managing your account, including processing applications, providing services, and contacting you.

• Ensuring security, verifying payments, preventing fraud, and recovering debts.

• Generating anonymized statistics to analyze trends, website traffic, and user engagement.

• Providing relevant information about products or services from us or selected third parties.

• Notifying you of service updates and changes.

• Optimizing our website experience to ensure content is displayed effectively.

• Administering our website through troubleshooting, data analysis, testing, research, and statistical evaluation.

• Enabling interactive features on our platform when you choose to use them.

• Maintaining website security and preventing unauthorized access or threats.

• Measuring and improving advertising effectiveness, ensuring you receive relevant content.

• Making personalized recommendations based on your interests and interactions.

• Keeping you informed about relevant products and services, unless you have opted out.

For further details on how we process your data, please refer to our [Privacy Policy] and [Cookie Notice].