Expat Mall, Inc.

Effective Date: October 1, 2026
Last Updated: October 1, 2026

1. Introduction

Welcome to ExpatMall.com (“Expat Mall,” “ExpatMall.com,” the “Website,” or the “Platform”). This Privacy Policy explains how Expat Mall, Inc. (“Expat Mall,” “we,” “us,” or “our”) collects, uses, stores, discloses, and otherwise processes personal information when you visit or use our Website, create an account, participate in our online community, browse or purchase products and services, interact with marketplace participants, access business directories, communicate with other members, or use any other feature we make available.

Expat Mall is building a global platform designed to help expatriates, immigrants, international families, entrepreneurs, professionals, investors, and businesses discover opportunities, access services, connect with communities, and navigate life across borders.

Our services may include:

• Member registration, profiles, and community features.
• People, Products, Places, and Pitch Decks content and discovery features.
• Marketplace listings for products, services, and businesses.
• Business and professional directories.
• Health care, wealth care, legal, immigration, travel, business, family, and investment-related resources.
• Messaging, discussion, groups, and other member-interaction features.
• Appointment scheduling, bookings, and service requests, where available.
• Educational content, courses, jobs, projects, and related professional opportunities, where available.
• Investment-related information, investor communications, and the Investor Relations Center.
• Links to third-party websites, applications, document repositories, and other external services.

Not every feature may be available in every country or at every stage of the Platform's development.

This Privacy Policy applies to personal information processed through ExpatMall.com and the services covered by this policy. Additional privacy notices may apply to particular products, services, transactions, or programs.

By using the Website, you acknowledge that you have had the opportunity to review this Privacy Policy. Where applicable law requires consent for a particular processing activity, we will seek that consent separately.

2. Who We Are

The organization responsible for the processing described in this Privacy Policy is:

Expat Mall, Inc.
Website: ExpatMall.com
Contact: Through the contact channels available on ExpatMall.com.

For privacy inquiries, please use our Website's contact channels and identify your message as a Privacy Request.

Where applicable privacy laws require a business to identify a specific legal entity, controller, representative, or additional contact information, Expat Mall will provide the information required by those laws.

3. Personal Information We Collect

The personal information we collect depends on how you interact with Expat Mall, which features you use, and the information you choose to provide.

A. Information You Provide Directly

We may collect information you voluntarily provide when you:

• Create or update a member account.
• Complete a registration or contact form.
• Create a profile or business listing.
• Submit a product, service, professional, or marketplace listing.
• Contact another member or communicate with Expat Mall.
• Join a group, participate in a discussion, or post content.
• Submit a review, comment, inquiry, or service request.
• Book an appointment or request a service.
• Apply for a job, course, project, or business opportunity.
• Register interest in an investment opportunity.
• Subscribe to newsletters or other communications.
• Participate in promotions, surveys, events, or other activities.
• Submit information through any other form or feature on the Website.

Depending on the activity, this information may include your name, email address, username, profile photograph, telephone number, country of residence, city, professional background, business name, job title, biography, interests, preferences, and other information you choose to provide.

We may also collect information included in messages, inquiries, reviews, photographs, documents, or other content you submit.

B. Account and Membership Information

If you register for an account, we may process information such as:

• Username and account identifier.
• Email address and name.
• Password credentials, stored or processed using the security mechanisms provided by our website infrastructure.
• Account type, membership level, roles, and permissions.
• Profile information and account preferences.
• Registration date, account status, and related administrative records.
• Login activity and information needed to maintain account security.

We use this information to create and administer accounts, authenticate users, provide membership features, manage access permissions, and maintain the Website.

You should not share your password or allow unauthorized individuals to access your account.

C. Profile, Community, and Social Information

Expat Mall may offer member profiles, groups, discussions, messaging, comments, reviews, and other community features.

When you use these features, we may process information such as your profile details, posts, comments, messages, group memberships, connections, uploaded media, and interactions with other users.

Information you choose to publish in a public or member-visible area may be visible to other people. The audience depends on the settings and access controls of the particular feature.

For example, information in a public business listing may be accessible to Website visitors, while content in a restricted group or private area may be accessible only to authorized members.

Private messaging and restricted membership features should not be treated as an absolute guarantee that recipients cannot copy, save, disclose, or redistribute information they can access.

Please consider carefully what you choose to publish or share.

D. Marketplace, Product, and Service Information

Where marketplace features are available, we may process information relating to vendors, customers, products, services, and transactions.

Depending on the feature, this may include:

• Vendor or seller names and business contact details.
• Storefront and business profile information.
• Product and service descriptions, photographs, prices, and availability.
• Customer inquiries and communications with sellers.
• Orders, purchases, refunds, cancellations, and transaction records.
• Delivery or fulfillment details, where applicable.
• Reviews, ratings, and customer support communications.
• Vendor account settings and marketplace activity.
• Information necessary to administer marketplace fees, commissions, or payouts.

If you act as a vendor or service provider, information you submit may be displayed to customers or other visitors as part of your listing or storefront.

If you purchase products or services, certain information may be shared with the relevant seller, service provider, payment processor, or fulfillment provider as needed to complete and administer the transaction.

The specific information collected depends on the marketplace features and integrations enabled at the time.

E. Bookings, Appointments, and Service Requests

If Expat Mall offers booking, scheduling, appointment, or service-request functionality, we may process information such as your name, contact details, requested service, preferred appointment time, booking status, communications, and relevant transaction details.

We may share necessary booking information with the professional, business, or service provider responsible for fulfilling your request.

Expat Mall is not necessarily the provider of the underlying service. A booking through the Website does not mean that Expat Mall itself provides medical care, legal advice, immigration representation, financial advice, or any other professional service.

Please do not submit medical records, government identification, payment credentials, or other sensitive information through general booking or contact forms unless the feature expressly requests it through an appropriate process.

F. Health Care, Legal, Immigration, and Other Professional Directories

Expat Mall may publish directories, listings, educational content, and other resources relating to health care, medical tourism, legal services, immigration, wealth management, travel, and other professional services.

If you browse these resources, we may collect technical usage information as described in this policy.

If you submit an inquiry, request information, or contact a listed provider, we may process the contact details and inquiry information you provide and share relevant information with the provider when necessary to respond to your request.

Browsing a health care or professional directory does not, by itself, mean that Expat Mall collects your medical records or provides professional advice.

Please be cautious when submitting health information, immigration records, financial details, or other sensitive information. Use a provider's designated secure channel when appropriate.

If a specific Expat Mall service begins collecting health information, government identifiers, or other sensitive personal information, we will provide any additional notices, safeguards, and consents required by applicable law.

G. Jobs, Courses, Projects, and Professional Opportunities

Where available, Expat Mall may provide job listings, educational courses, professional development resources, projects, or related opportunities.

If you apply, enroll, submit a proposal, or otherwise participate, we may process information such as your name, contact details, qualifications, professional experience, application materials, submitted work, enrollment status, and communications.

Depending on the opportunity, relevant information may be shared with the employer, course provider, project owner, instructor, or other organization responsible for administering it.

Third-party organizations may have their own privacy policies and practices. You should review those policies before providing additional information directly to them.

H. Investment Center and Investor Relations Center

Expat Mall may provide investment-related content, business opportunities, pitch decks, issuer profiles, investor communications, and other materials through the Website.

The Investor Relations Center may provide authorized members with access to company announcements, corporate updates, investor communications, and links to selected documents or an external data room.

Depending on the feature, we may process:

• Name and contact information.
• Account and membership details.
• Investor-relations inquiries and communications.
• Companies, projects, or opportunities in which you express interest.
• Access permissions and records relating to restricted materials.
• Information you voluntarily provide in an inquiry or investment-related form.

Expat Mall does not currently intend the general Website to serve as a repository for users' bank credentials, payment-card security codes, government identity documents, or financial-account credentials. If a particular transaction or service requires additional information, it should be collected only through an appropriately designed process with applicable notices and safeguards.

Certain investor documents may be hosted on third-party services, including Google Drive. In those cases:

• The external provider may process information under its own privacy policy and terms.
• Document access may depend on the permissions configured for the external service and the account used to sign in.
• Access to a document through a link does not necessarily mean that the document is public.
• Website membership permissions and third-party document permissions may be administered separately.

We recommend that users review the applicable third-party privacy and security information before accessing external services.

Investment-related materials may involve separate eligibility requirements, confidentiality agreements, offering documents, or other legal conditions. This Privacy Policy does not replace those documents.

I. Communications and Subscriptions

If you contact us, subscribe to updates, or request information, we may process your name, email address, message contents, preferences, and related communication records.

We may use this information to respond to inquiries, provide requested updates, administer subscriptions, send service announcements, and manage our relationship with you.

Where required by law, we will obtain consent before sending marketing communications. You may unsubscribe from promotional emails using the instructions provided in the message. You may still receive necessary service-related, security, transactional, or legal communications.

J. Information Collected Automatically

When you visit or use ExpatMall.com, we and our hosting, security, and technology providers may automatically collect certain technical information, such as:

• Internet Protocol (IP) address.
• Browser type and version.
• Operating system and device information.
• Referring website or page.
• Pages viewed and features used.
• Date, time, and duration of visits.
• Login events and session information.
• Error reports, diagnostic information, and performance data.
• Security events and information used to detect suspicious activity.
• Approximate location inferred from an IP address, where available.

The specific information collected depends on the technologies, plugins, hosting services, and security tools in use.

We use this information to operate the Website, maintain security, troubleshoot technical problems, understand usage, improve functionality, and prevent abuse.

K. Cookies and Similar Technologies

Expat Mall and its service providers may use cookies, pixels, local storage, session identifiers, and similar technologies.

These technologies may be used to:

• Keep you signed in.
• Maintain sessions and account security.
• Remember preferences and settings.
• Support shopping carts, membership features, and other Website functions.
• Understand how visitors use the Website.
• Diagnose errors and improve performance.
• Measure communications or marketing effectiveness, where enabled.
• Support advertising or other tracking activities, where enabled and permitted by law.

Some cookies are necessary for Website operation. Others may be optional or provided by third parties.

You can manage cookies through your browser settings and, where available, our cookie-preference tools. Disabling certain cookies may affect the functionality of the Website.

Where required by applicable law, we will provide appropriate notice and obtain consent before using nonessential cookies or similar technologies.

Some browsers provide “Do Not Track” settings. Because there is no universally adopted standard for interpreting every such signal, our response may depend on applicable law and the technologies involved. Where required by law, we will honor applicable opt-out preference signals.

4. How We Use Personal Information

We may use personal information for the following purposes, where applicable:

1. Providing the Website: To operate, maintain, and deliver the features and services you request.
2. Account administration: To register users, authenticate accounts, administer memberships, and manage permissions.
3. Community participation: To enable profiles, groups, discussions, messaging, and member interactions.
4. Marketplace operations: To administer listings, storefronts, orders, inquiries, bookings, and service requests.
5. Business and professional discovery: To support directories, provider listings, job opportunities, courses, projects, and related features.
6. Investment communications: To administer investor updates, respond to inquiries, and manage authorized access to investment-related materials.
7. Customer support: To answer questions, resolve disputes, and provide assistance.
8. Communications: To send requested information, service announcements, and permitted promotional communications.
9. Security and fraud prevention: To detect unauthorized access, spam, fraudulent activity, abuse, and violations of our terms.
10. Analytics and improvement: To understand Website performance, improve features, and evaluate how services are used.
11. Legal and regulatory compliance: To comply with applicable laws, respond to lawful requests, maintain required records, and protect our legal rights.
12. Business administration: To manage our operations, enforce agreements, evaluate business transactions, and maintain appropriate records.
13. Other disclosed purposes: To fulfill another purpose explained when information is collected or otherwise permitted by applicable law.

Where applicable law requires consent or another specific legal basis, we will process personal information accordingly.

5. How We Disclose Personal Information

We may disclose personal information to the following categories of recipients, when reasonably necessary and permitted by law.

A. Other Members and the Public

Information you choose to place in a public profile, public listing, discussion, review, or other public-facing feature may be visible to Website visitors, search engines, or other third parties.

Information displayed in a member-only area may be accessible to authorized members according to that feature's settings.

Please review your profile and content settings before publishing information.

B. Vendors, Buyers, and Service Providers

When you use marketplace, booking, directory, or service features, we may disclose relevant information to the vendor, seller, service provider, or other participant involved in fulfilling your request or transaction.

For example, a seller may receive the information necessary to process an order, or a professional may receive your contact information and inquiry to respond to a service request.

C. Technology and Operational Service Providers

We may share information with service providers that help us operate Expat Mall, such as providers of:

• Website hosting and infrastructure.
• Content delivery and website security.
• WordPress-related functionality and plugins.
• Membership, community, and messaging tools.
• Marketplace, shopping, and order-management systems.
• Booking and scheduling services.
• Email and communications services.
• Analytics, diagnostics, and performance monitoring.
• Payment processing and transaction administration.
• Document storage and data-room services.
• Customer support and operational tools.

These providers may process personal information on our behalf or independently under their own terms, depending on the service and relationship.

We seek to use appropriate contractual, technical, or organizational measures where required by applicable law.

D. Payment Processors and Financial Service Providers

If you make a purchase, pay a fee, or participate in a transaction through an enabled payment feature, relevant information may be processed by the payment processor or financial service provider involved.

Payment providers may collect payment-card details, billing information, fraud-prevention data, or other information directly from you.

Unless a specific feature expressly provides otherwise, do not assume that payment information is stored by Expat Mall itself. The information handled by Expat Mall depends on the payment integration and its configuration.

Payment providers' own privacy policies govern their independent processing of information.

E. Business Partners and Opportunity Providers

Where you request information, register interest, or interact with a business opportunity, we may share the information necessary to respond to your request or administer the relevant program.

We will not treat a general interest in Expat Mall as unlimited permission to disclose your personal information to unrelated businesses.

Where a separate consent or notice is required, we will provide it.

F. Professional Advisers and Representatives

We may disclose relevant information to our lawyers, accountants, auditors, insurers, consultants, and authorized representatives when reasonably necessary for legitimate business, professional, legal, or compliance purposes.

G. Legal Compliance and Protection

We may disclose information if we reasonably believe disclosure is necessary to:

• Comply with applicable law, regulation, legal process, or a lawful governmental request.
• Investigate or address suspected fraud, security incidents, or unlawful activity.
• Enforce our terms, agreements, or policies.
• Protect the rights, property, safety, or security of Expat Mall, our users, or others.
• Establish, exercise, or defend legal claims.

H. Corporate Transactions

If Expat Mall is involved in a merger, acquisition, financing, restructuring, sale of assets, or similar corporate transaction, personal information may be disclosed to relevant parties as reasonably necessary for that transaction, subject to applicable confidentiality and legal requirements.

I. With Your Direction or Consent

We may disclose information when you request that we do so, authorize a disclosure, or otherwise provide consent where required.

6. Sale of Personal Information and Targeted Advertising

Expat Mall does not currently intend to sell personal information in exchange for monetary consideration.

However, some privacy laws define “sale” or “sharing” broadly. Certain advertising, analytics, or tracking activities may fall within those definitions even if no money is exchanged directly for personal information.

The Website's actual practices depend on the analytics, advertising, and tracking technologies enabled.

Where applicable law gives you the right to opt out of the sale or sharing of personal information, targeted advertising, or certain profiling, we will provide the required choices and honor valid requests.

If Expat Mall begins using personal information in a way that requires an additional notice, consent, or opt-out mechanism, we will update our practices and notices as required by law.

7. Your Privacy Choices and Rights

Depending on your location and the laws that apply, you may have rights concerning your personal information.

These rights may include:

• Access: Request information about the personal information we hold about you.
• Correction: Request correction of inaccurate personal information.
• Deletion: Request deletion of personal information, subject to applicable exceptions.
• Portability: Request a copy of certain personal information in a portable format.
• Opt-out: Opt out of certain sales, sharing, targeted advertising, or profiling activities where applicable.
• Consent withdrawal: Withdraw consent where processing is based on consent.
• Restriction or objection: Request restriction of, or object to, certain processing where applicable.
• Complaint: Submit a complaint to a relevant privacy regulator where permitted by law.
• Non-discrimination: Exercise applicable privacy rights without unlawful discrimination.

These rights are not absolute and may be subject to exceptions, eligibility requirements, and verification procedures.

How to Submit a Privacy Request

To exercise a privacy right, contact Expat Mall through the contact channels on ExpatMall.com and identify your request as a Privacy Request.

Please specify the right you wish to exercise and provide enough information for us to understand and process your request.

We may need to verify your identity or authority before responding. We will handle requests within the timeframes required by applicable law.

If we cannot fulfill a request, we will explain the reason where required and provide information about any available appeal process.

An authorized agent may submit a request on your behalf where permitted by law and subject to applicable verification requirements.

You may also manage or update certain account information directly through available Website settings.

8. Additional Information for California Residents

This section applies to California residents to the extent the California Consumer Privacy Act, as amended, and its implementing regulations apply to Expat Mall.

Subject to applicable definitions, thresholds, and exceptions, California residents may have rights to know, access, correct, and delete personal information; receive information about certain disclosures; opt out of the sale or sharing of personal information; limit certain uses and disclosures of sensitive personal information; and receive equal service and pricing for exercising applicable privacy rights.

Categories of Personal Information

Depending on how you use the Website, we may collect the following categories:

• Identifiers: Name, email address, username, account identifier, IP address, and similar identifiers.
• Customer records: Contact details, billing or transaction information, and other information you provide in a commercial context.
• Commercial information: Purchases, orders, marketplace activity, service requests, and transaction history.
• Internet or network activity: Pages viewed, interactions with the Website, login records, and technical usage information.
• Professional or employment-related information: Business profiles, professional background, job applications, qualifications, or related submissions.
• User-generated content: Profiles, messages, reviews, photographs, comments, and other content you submit.
• Inferences and preferences: Interests or preferences inferred from your interactions, where such processing occurs.
• Other information you provide: Information included in forms, inquiries, or other submissions that does not fit neatly into the categories above.

Certain information may qualify as sensitive personal information under applicable law. We do not intend to collect sensitive personal information through general Website features unless it is reasonably necessary for a disclosed purpose or otherwise appropriately authorized.

Purposes of Collection and Disclosure

We may collect and disclose these categories for the purposes described in Sections 3 through 5, including Website operation, account administration, marketplace transactions, communications, security, customer support, analytics, and legal compliance.

We may disclose relevant categories to service providers, vendors, transaction participants, professional advisers, and other recipients described in this policy.

Sale or Sharing

Expat Mall does not currently intend to sell personal information for monetary consideration. Whether a particular disclosure constitutes a “sale” or “sharing” under California law depends on the facts and the technologies used.

If our practices trigger applicable sale, sharing, or targeted-advertising opt-out obligations, we will provide the required notice and methods to exercise those rights.

Exercising California Privacy Rights

California residents may submit requests through the contact channels available on ExpatMall.com. We may verify your identity and will respond as required by applicable law.

Where required, we will provide a method to appeal a decision concerning a privacy request and information about contacting the appropriate regulator.

9. International Visitors and Cross-Border Processing

Expat Mall is designed for an international audience. Depending on your location and how you use the Website, your information may be processed in the United States or other countries where Expat Mall or its service providers operate.

Privacy and data-protection laws in those countries may differ from the laws in your country of residence.

Where required by applicable law, we will use appropriate safeguards for international transfers of personal information, such as contractual protections or other recognized transfer mechanisms.

If you are located in the European Economic Area, the United Kingdom, or another jurisdiction with specific data-protection requirements, additional rights or protections may apply.

Where the General Data Protection Regulation or similar legislation applies, Expat Mall will identify and rely on an appropriate legal basis for processing, such as providing a requested service, complying with legal obligations, pursuing legitimate interests where permitted, or obtaining consent where required.

You may exercise applicable rights by contacting us using the procedure in Section 7.

10. Data Retention

We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to:

• Maintain your account and provide requested services.
• Administer marketplace activity and transactions.
• Maintain business, accounting, and operational records.
• Preserve communications and records needed to address disputes.
• Comply with legal and regulatory obligations.
• Detect and prevent fraud, abuse, and security incidents.
• Enforce agreements and protect legal rights.

Retention periods vary depending on the type of information, the feature involved, and applicable legal requirements.

When personal information is no longer reasonably necessary and no valid retention obligation or other lawful basis applies, we will take appropriate steps to delete, anonymize, or securely dispose of it.

Deleting an account may not immediately remove information already shared with other members, included in completed transactions, retained in backups, or held by independent third parties. We will handle such information in accordance with applicable law and our retention practices.

11. Data Security

We use reasonable administrative, technical, and organizational measures intended to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

Depending on the systems involved, safeguards may include access controls, account permissions, security monitoring, software updates, and other protective measures.

However, no website, network, storage system, or method of transmitting information over the Internet can be guaranteed to be completely secure.

You are responsible for maintaining the confidentiality of your login credentials and for using the Website in a secure manner.

If you believe your account or information has been compromised, please contact us promptly through ExpatMall.com.

Where required by law, we will provide notices relating to personal-data breaches.

12. Third-Party Websites, Services, and Integrations

The Website may contain links to, or integrations with, third-party websites, applications, payment processors, document repositories, booking services, social networks, and other platforms.

Examples may include services used to host investor documents, process payments, provide maps or travel information, facilitate communications, or support marketplace functionality.

When you interact directly with a third-party service, that provider may collect and process your information under its own privacy policy and terms.

Expat Mall does not control the independent privacy practices of third parties and is not responsible for their policies or activities.

A link to a third-party website does not mean that Expat Mall endorses the provider or guarantees its privacy or security practices.

Please review the relevant third-party policies before submitting information to those services.

13. Children's Privacy

Expat Mall is not intended for children under the age of 13, and we do not knowingly collect personal information directly from children under 13 through general Website features.

If we learn that we have collected personal information from a child under 13 without legally required authorization, we will take appropriate steps to address the information.

If you believe a child has provided personal information to us inappropriately, please contact us through ExpatMall.com.

Where a feature is subject to additional age restrictions or legal eligibility requirements, those restrictions also apply.

14. User-Generated Content and Public Disclosures

Expat Mall may allow users to publish profiles, listings, comments, reviews, photographs, messages, and other content.

You are responsible for considering whether the information you submit should be public, restricted to members, or shared only with a specific recipient.

Information published in a public area may be copied, indexed by search engines, saved, or redistributed by other people. Removing content from ExpatMall.com may not remove copies that others have independently retained.

Do not publish another person's personal information without an appropriate legal basis or authorization.

We may process user-generated content to operate the relevant feature, enforce our terms, moderate abuse, maintain security, and respond to lawful requests.

15. Email Communications and Marketing Preferences

You may receive service-related communications when you create an account, use a feature, complete a transaction, request assistance, or participate in the Website.

We may also send newsletters, announcements, product updates, or promotional communications where permitted by law.

You can opt out of promotional emails using the unsubscribe mechanism in the message or by contacting us. Opting out of promotional communications does not necessarily stop essential account, security, transactional, or legal notices.

If you receive marketing communications from an independent vendor or third-party provider, you may need to manage your preferences directly with that provider.

16. Automated Processing and Personalization

Depending on the features enabled, Expat Mall may use automated tools to support search, organize listings, recommend relevant content, identify suspicious activity, improve usability, or personalize certain aspects of the Website.

We do not intend for general Website personalization alone to make legal or similarly significant decisions about you.

If we introduce automated processing that is subject to additional disclosure, consent, or rights under applicable law, we will provide appropriate information and safeguards.

17. Do Not Track and Privacy Preference Signals

Some browsers and devices offer privacy signals or settings intended to communicate a user's tracking preferences.

The legal effect of these signals varies by jurisdiction and technology. Where applicable law requires Expat Mall to recognize a qualifying opt-out preference signal, we will do so as required.

You may also use available cookie controls, privacy settings, or other opt-out methods provided on the Website.

18. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business, technology, Website features, service providers, or legal obligations.

When we update the policy, we will revise the “Last Updated” date at the beginning of the document.

If a change requires additional notice or consent under applicable law, we will provide it through the Website, by email, or through another appropriate method.

Your continued use of the Website after an updated policy becomes effective does not replace any consent that the law separately requires.

We encourage you to review this policy periodically.

19. Contact Us

If you have questions about this Privacy Policy, want to exercise a privacy right, or wish to raise a concern about how your information is handled, please contact Expat Mall through the official contact channels available on our Website.

Expat Mall, Inc.
Website: ExpatMall.com
Subject line or message reference: Privacy Request

Please do not include passwords, payment-card security codes, government identification numbers, or other highly sensitive information in a general privacy inquiry.

We will review and respond to requests in accordance with applicable law.