Terms & Conditions

1. Introduction

Welcome to ProprHome's Know Your Customer (KYC) verification service. By accessing or using our KYC verification platform, you agree to be bound by these Terms and Conditions. Please read them carefully before proceeding with the verification process.

ProprHome provides identity verification services to ensure compliance with applicable regulations and to maintain the security and integrity of our platform.

2. Definitions

• "Service" refers to the KYC verification platform operated by ProprHome.
• "User" refers to any individual who accesses or uses the Service.
• "Personal Data" refers to any information relating to an identified or identifiable natural person.
• "Verification Data" refers to identity documents, photographs, and biometric data submitted during the verification process.

3. Service Description

Our KYC verification service collects and processes the following information:

• Government-issued identity documents (passport, driving licence, national ID card)
• Facial photographs for biometric verification
• Personal information including name, date of birth, and address
• Device and browser information for security purposes

4. User Obligations

By using our Service, you agree to:

• Provide accurate, current, and complete information during the verification process
• Submit only authentic, unaltered identity documents that belong to you
• Not impersonate any other person or use false identities
• Not attempt to circumvent, disable, or interfere with security features of the Service
• Comply with all applicable laws and regulations

5. Data Collection and Processing

We collect and process your personal data in accordance with applicable data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Legal Basis for Processing: We process your data based on:

• Your consent provided when initiating the verification process
• Compliance with legal obligations (Anti-Money Laundering regulations)
• Legitimate interests in preventing fraud and ensuring platform security

6. Biometric Data

Our Service uses facial recognition technology to verify your identity. By proceeding with the verification, you explicitly consent to:

• The capture and processing of your facial biometric data
• Comparison of your live photograph with your identity document photo
• Storage of biometric data for the duration required by law

You may withdraw your consent at any time by contacting us, though this may affect our ability to provide services to you.

7. Data Retention

We retain your verification data for the period required by applicable regulations:

• Identity verification records: 5 years from the end of the business relationship
• Transaction records: As required by Anti-Money Laundering regulations
• Biometric data: Deleted after verification is complete, unless legally required to retain

8. Data Security

We implement appropriate technical and organisational measures to protect your personal data, including:

• Encryption of data in transit and at rest
• Secure cloud infrastructure with access controls
• Regular security audits and vulnerability assessments
• Staff training on data protection and security

9. Third-Party Services

We may use trusted third-party identity verification providers to process your data. These providers are contractually bound to protect your information and process it only as instructed by us.

10. Your Rights

Under data protection law, you have the following rights:

• Right of Access: Request a copy of your personal data
• Right to Rectification: Request correction of inaccurate data
• Right to Erasure: Request deletion of your data (subject to legal requirements)
• Right to Restrict Processing: Request limitation of how we use your data
• Right to Data Portability: Receive your data in a structured format
• Right to Object: Object to processing based on legitimate interests
• Right to Withdraw Consent: Withdraw consent at any time

To exercise any of these rights, please contact us at privacy@proprhome.com.

11. Limitation of Liability

To the fullest extent permitted by law, ProprHome shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.

Our total liability for any claims arising from or related to the Service shall not exceed the amount paid by you, if any, for using the Service.

12. Indemnification

You agree to indemnify and hold harmless ProprHome, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your breach of these Terms or your misuse of the Service.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated through the Service or via email. Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Contact Information

If you have any questions about these Terms or our KYC verification service, please contact us:

16. Regulatory Compliance

Our KYC verification service is designed to comply with applicable regulations including the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, the Proceeds of Crime Act 2002, and the Terrorism Act 2000.