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Effective Date: 26 October 2026
This Privacy Policy (“Privacy Policy”) explains how your personal information is collected, used, stored, and protected. BETELGEUSE CORPORATION LTD (“Betelgeuse,” “we,” “our,” or “us”) operates the Deffio mobile application (the “App”) and any related websites (collectively, the “Platform”) and is primarily responsible for processing personal data in connection with your use of the App and the Platform itself.
The services for the purchase and sale of digital assets (the “Crypto-Asset Services”) and the Open Banking (on-ramp), off-ramp, and bank-to-bank transfer services (“Payment Services”) accessible through the App or Platform are provided by CAPITOLIO INC. (“Capitolio”), FINTRAC MSB No. M24928320, Canada. For personal data processed in connection with the Crypto-Asset Services and Payment Services, including data collected for Know Your Customer (KYC) and AML/CTF purposes under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), Capitolio acts as an independent data controller. Deffio does not process fiat funds and does not act as data controller for such data.
Betelgeuse may, from time to time, engage other authorised and/or regulated third-party service providers to provide certain services available through the App or Platform (“Additional Service Providers”). If any such service is engaged, information about the relevant Additional Service Provider, including its identity, its role in respect of your personal data and the categories of personal data it will process, will be made available to you before you initiate any such service. The processing of your personal data by an Additional Service Provider will be subject to its own privacy notice, which will be made available to you at that time.
This Policy describes the data processing practices of Betelgeuse for the App or Platform and informs you about data processing conducted by Capitolio Inc. in connection with its provision of Crypto-Asset Services and Payment Services. Please also read the Terms of Use, which describe the terms under which you use the Services.
Information We Collect
Information You Provide
Your Transactions. Your Network private key is stored only on your own device. To facilitate your transactions and provide you with your account balance, we (Betelgeuse, in providing App Services, and Capitolio Inc., in providing Crypto-Asset Services and Payment Services) store the Network public key address associated with your Network private key.
Information for Crypto-Asset Services and Payment Services Provided by Capitolio Inc. To use the Crypto-Asset Services and Payment Services provided by Capitolio Inc., you may be required to provide certain personal information directly to Capitolio Inc. or to Betelgeuse, which will securely transmit it to Capitolio Inc. This information is necessary for Capitolio Inc. to comply with its legal and regulatory obligations, including KYC and AML/CTF requirements under the PCMLTFA. Such information includes, but is not limited to:
Customer Support. We (Betelgeuse) may collect additional information you may disclose to our customer support team. Capitolio Inc. may also collect such information if your support request pertains to its services.
Automatically Collected Information
Metrics and Performance Data. We (Betelgeuse) may collect service-related, diagnostic, and performance information, including high-level information about your activity and diagnostic, crash, website, and performance logs and reports.
Device and Connection Information. We (Betelgeuse) may collect device-specific information when you install, access, or use our Services, including your IP address and, if you choose to allow push notifications, your device’s unique push token.
Status Information. We (Betelgeuse) may collect information about your online status on our Services, such as when you last used our Services.
How We Use the Information We Collect
Betelgeuse uses your information primarily to operate, provide, improve, customize, support, and market the App Services, including using Metrics and Performance Data, Device and Connection Information, and Status Information.
CAPITOLIO INC. uses the information you provide in connection with Crypto-Asset Services and Payment Services for the following purposes:
Betelgeuse may use your information to deliver targeted marketing and service update notices based on your communication preferences, where legally permissible. We will not use your information for purposes other than those purposes we have disclosed to you, without your permission.
How We Share Information with Third Parties
Sharing with Capitolio Inc.: To enable the provision of Crypto-Asset Services and Payment Services, Betelgeuse will share the necessary information with Capitolio Inc. The App or Platform will transmit the information you provide for registration and KYC purposes, bank account details, email address, wallet address, and transaction information required for the purchase and sale of digital assets and for on-ramp and off-ramp operations to Capitolio Inc. Capitolio Inc. may share the status of your account and transaction status information with Betelgeuse to be displayed within the App. Such information sharing is conducted securely and only for the purposes outlined in this Privacy Policy.
Capitolio Inc. may further share your data with its regulated partners and liquidity providers as necessary to execute Crypto-Asset Services and Payment Services, and with FINTRAC or other Canadian regulatory authorities as required under PCMLTFA.
Sharing with Additional Service Providers: If any Additional Service Provider is engaged, Betelgeuse will share with it only the information necessary for the provision of the service you choose to initiate, and only after the information about such Additional Service Provider has been made available to you.
We work with third-party providers to help us operate, provide, improve, customize, support, and market our Services. We may also share information with law enforcement, government officials, or other third parties when compelled to do so by a subpoena, court order, or similar legal procedure, or when we believe in good faith that disclosure is necessary to prevent physical harm or financial loss or to report suspected illegal activity.
Data Retention
Please note that even if you delete your Wallet or addresses from the mobile application or the Platform (including any related websites), uninstall the mobile application from your device, or request that your information be deleted, Betelgeuse and Capitolio Inc. may still retain some information that you have provided. Betelgeuse will retain data related to the App Services and the Platform in accordance with its data retention policies and applicable laws.
Capitolio Inc. is required under PCMLTFA and FINTRAC guidelines to retain records related to Crypto-Asset Services and Payment Services, including KYC documentation, transaction records, and AML screening results, for a minimum of 5 years from the date of the transaction or the end of the business relationship. Capitolio Inc. may retain data for longer periods if required by a competent Canadian regulatory authority.
Data Security
We are committed to making sure your information is protected in accordance with applicable laws and our data privacy policies. We work to protect the security of your personal information during transmission by using encryption protocols and software. We maintain physical, electronic and procedural safeguards in connection with the collection, storage and disclosure of your personal information. Even with all these precautions, we cannot fully guarantee against the access, disclosure, alteration, or deletion of data through events, including hardware or software failure or unauthorized use. Any information that you provide to us is done so entirely at your own risk.
Conditions of Use, Notices, Changes and Updates
If you choose to use our App or Platform, your use and any dispute over privacy is subject to this Notice and our Terms of Use. We reserve the right to update and revise this Privacy Notice at any time. If we do revise this Privacy Notice, we will update the “Effective Date” at the top of this page. Please review this Privacy Notice regularly to ensure that you are aware of its terms. Any use after an amendment to our Privacy Notice constitutes your acceptance of the revised or amended terms.
Contact Us
If you have any questions about our Privacy Policy, please do not hesitate to contact us at [email protected].
Legal Information
Data Controller for App Services: Company Name: BETELGEUSE CORPORATION LTD Company Number: 14716123 Legal Address: 85 Great Portland Street, First Floor, London, England, W1W 7LT
Data Controller for Crypto-Asset Services and Payment Services: Company Name: CAPITOLIO INC. FINTRAC MSB Registration No.: M24928320 Legal Address: 700-602 12 Ave SW, Calgary, Alberta, T2R 1J3, Canada
Capitolio Inc. processes personal data in connection with Crypto-Asset Services and Payment Services as an independent data controller subject to PCMLTFA and applicable Canadian privacy law (PIPEDA). If your query specifically relates to the processing of your personal data by Capitolio Inc. for Crypto-Asset Services or Payment Services, your query will be routed accordingly.