Legal Framework

Last Updated: January 2026

CoreQuantumWorks ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

1. Information We Collect

We may collect information that you provide directly, including:

• Personal identification information (name, email address, phone number)
• Company information (business name, registration details)
• Financial information necessary for service delivery
• Communication records and correspondence

2. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain our financial technology services
• Process transactions and manage your account
• Comply with legal obligations, including anti-money laundering regulations
• Communicate with you about services, updates, and security alerts
• Improve our services and develop new features

3. Legal Basis for Processing (GDPR)

Under the General Data Protection Regulation (GDPR), we process your data based on:

• Consent: You have given explicit consent for specific processing purposes
• Contract: Processing is necessary for the performance of a contract
• Legal obligation: Processing is required to comply with applicable laws
• Legitimate interests: Processing is necessary for our legitimate business interests

4. Data Security

We implement industry-standard security measures including encryption, access controls, and regular security audits. All financial data is processed in PCI DSS compliant environments.

5. Your Rights

Under GDPR, you have the right to:

• Access your personal data
• Rectify inaccurate data
• Request deletion of your data
• Restrict processing of your data
• Data portability
• Object to processing
• Withdraw consent at any time

6. Contact Us

For privacy-related inquiries, contact our Data Protection Officer:

Email: [email protected]

Address: Rúa do Vilar, 35, 15705 Santiago de Compostela, España

Last Updated: January 2026

These Terms of Service govern your use of CoreQuantumWorks' financial technology services and platform. By accessing or using our services, you agree to be bound by these terms.

1. Service Description

CoreQuantumWorks provides financial technology solutions including payment processing, compliance automation, and banking infrastructure services. All services are subject to applicable financial regulations and licensing requirements.

2. User Obligations

You agree to:

• Provide accurate and complete information
• Comply with all applicable laws and regulations
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use

3. Payment Terms

Services are billed according to agreed-upon pricing. Payment is due within 30 days of invoice date. Late payments may incur additional fees as specified in individual service agreements.

4. Intellectual Property

All proprietary technology, software, and documentation remain the exclusive property of CoreQuantumWorks. Licensed use is granted subject to compliance with these terms.

5. Limitation of Liability

CoreQuantumWorks shall not be liable for indirect, incidental, or consequential damages. Our total liability shall not exceed the fees paid for the specific service giving rise to the claim.

6. Termination

Either party may terminate this agreement with 30 days written notice. Immediate termination may occur in cases of material breach or regulatory non-compliance.

7. Governing Law

These terms are governed by the laws of Spain and the European Union. Disputes shall be resolved through arbitration in Santiago de Compostela, España.

Last Updated: January 2026

CoreQuantumWorks uses cookies to enhance your browsing experience and provide essential website functionality. This policy explains our cookie usage in compliance with the ePrivacy Directive.

1. Types of Cookies We Use

• Essential Cookies: Required for basic website functionality, including session management and security features.
• Functional Cookies: Remember your preferences and settings to provide a personalized experience.
• Analytics Cookies: Help us understand how visitors interact with our website to improve performance.

2. Managing Cookies

You can control and manage cookies through your browser settings. Disabling essential cookies may affect website functionality.

3. Third-Party Cookies

We may use third-party services that set their own cookies for analytics and functionality purposes. These third parties have their own privacy policies governing cookie usage.

4. Updates to This Policy

We may update this Cookie Policy periodically. Continued use of our website constitutes acceptance of any changes.

5. Contact

For questions about our cookie practices, contact us at [email protected].

Last Updated: January 2026

CoreQuantumWorks is committed to delivering high-quality financial technology services. This Refund Policy outlines the conditions under which refunds may be issued.

1. Service Delivery

Refund eligibility depends on the service type and stage of delivery:

• Pre-Delivery: Full refund for cancelled projects before work commences.
• In-Progress: Partial refund based on percentage of work completed, minus applicable administrative fees.
• Post-Delivery: No refund for completed services unless service level agreements were not met.

2. Refund Request Process

To request a refund:

• Submit a written request to [email protected]
• Include your project reference number and reason for the refund request
• Refund requests are reviewed within 5 business days

3. Processing Time

Approved refunds are processed within 14 business days via the original payment method.

4. Non-Refundable Items

• Custom development work already delivered and accepted
• Consulting hours already utilized
• Third-party licenses or subscription fees paid on your behalf
• Setup and configuration fees after project kickoff

5. Dispute Resolution

Any disputes regarding refunds will be resolved through mediation in accordance with Spanish commercial law. CoreQuantumWorks' registered address is Rúa do Vilar, 35, 15705 Santiago de Compostela, España.