Privacy Policy & Data Protection

1. Overview & Commitment

We prioritize the privacy, confidentiality, and integrity of our users' personal and financial data. This Privacy Policy describes how our platform collects, uses, stores, discloses, and protects your information when you access our online banking, financial management, cross-border remittance, and merchant payment tools.

By creating an account, accessing our portal, or using any related APIs and mobile applications, you consent to the data collection and processing practices detailed in this document.

2. Information We Collect

To fulfill regulatory requirements (such as Know Your Customer [KYC] and Anti-Money Laundering [AML] laws) and render seamless payment services, we gather the following types of information:

• Personal Identity Data: Full legal name, residential address, date of birth, government-issued identification numbers, and facial verification selfies.
• Contact Details: Primary email address, mobile phone number, and mailing address.
• Financial & Transactional Information: Bank account numbers, linked debit/credit card details, account balances, transaction histories, wallet transfers, and recipient details.
• Technical & Device Data: IP addresses, browser types, device identifiers (IMEI/UUID), operating systems, mobile carrier details, and geolocation data during login attempts.

3. How We Use Your Data

We process collected data exclusively for legitimate operational and legal purposes, including:

• Facilitating fund transfers, payment settlements, and multi-currency conversions.
• Verifying user identity and preventing unauthorized access, fraudulent debits, or account takeovers.
• Complying with statutory banking obligations, tax authorities, and financial intelligence regulators.
• Sending transactional notices, security alerts, and system updates.
• Improving product interface performance and tailoring customer support responses.

4. Data Sharing & Third Parties

We do not sell, rent, or trade customer personal information to third-party advertisers. We only share data with trusted partners essential to facilitating our services, such as:

• Licensed Banking & Clearing Partners: Financial institutions that hold reserve deposits and clear settlement transactions.
• KYC Verification Partners: Identity checking providers to confirm legal identification documents.
• Regulatory & Law Enforcement Authorities: When legally compelled by court order, subpoena, or statutory financial crime investigations.

5. Data Security & Retention

Your data is stored within encrypted cloud databases utilizing 256-bit AES encryption at rest and TLS 1.3 in transit. Access is limited strictly to authorized personnel under least-privilege protocols.

We retain your financial transaction history for as long as required by financial record-keeping laws (typically 5 to 7 years post-account closure) to comply with statutory audit standards.

6. Your Rights & Privacy Choices

Depending on your jurisdiction (e.g., NDPR, GDPR, CCPA), you possess the right to:

• Access and receive a portable copy of your stored personal data.
• Request corrections to inaccurate personal details.
• Request deletion of non-regulatory personal records (right to be forgotten).
• Opt-out of non-essential marketing communications at any time via account settings.

7. Cookies & Tracking Technologies

We use essential cookies to maintain secure authenticated user sessions and prevent Cross-Site Request Forgery (CSRF). You can control cookie preferences in your browser settings, though disabling essential cookies may impact account access.