1. Information We Collect

• Personal Information:Name, email, phone number, mailing address, date of birth, government-issued ID, social security number, employment information, income details, and other identification documents as required by law
• Financial Information:Transaction history, account balances, payment records, banking details, credit information, investment preferences, financial goals, tax documents, source of funds, and financial statements
• Usage Information:IP address, device identifiers, browser type, operating system, access times, pages viewed, features used, clickstream data, interaction patterns, and platform preferences
• Location Data:General location based on IP address, precise location when permitted, device GPS coordinates, and geographic usage patterns
• Communication Data:Customer service interactions, chat logs, call recordings, email correspondence, and feedback submissions

2. Legal Basis for Processing

• Performance of our contract with you - processing necessary to provide financial services and fulfill our agreements
• Compliance with legal obligations - including anti-money laundering laws, tax regulations, and financial reporting requirements
• Pursuit of legitimate business interests - improving services, preventing fraud, and ensuring platform security
• Your consent, where specifically requested - for marketing communications and optional features
• Protection of vital interests - preventing financial crimes and protecting users' accounts
• Public interest - cooperating with regulatory authorities and law enforcement

3. How We Use Your Information

• Account management and transaction processing - Including verification, authentication, and service delivery
• Service communications and updates - Platform notifications, security alerts, and important changes
• Platform analytics and improvements - User behavior analysis, feature optimization, and service enhancement
• Fraud prevention and security - Risk assessment, fraud detection, and account protection measures
• Legal compliance and rights protection - Regulatory reporting, audit requirements, and legal obligations
• Personalized experience - Custom recommendations, tailored content, and user preferences
• Customer support - Issue resolution, technical assistance, and service inquiries
• Marketing and communications - Product updates, promotional offers (with consent)
• Research and development - Service improvement, market analysis, and innovation

4. Information Sharing

• Service providers and business partners - Payment processors, cloud services, analytics providers, and security services
• Financial institutions and payment processors - Banks, credit card companies, and financial service providers
• Legal requirements and law enforcement - Court orders, subpoenas, and regulatory compliance
• Business transactions - Due diligence for mergers, acquisitions, or asset sales
• Identity verification services - KYC providers and fraud prevention partners
• Professional advisors - Lawyers, auditors, and consultants under confidentiality agreements
• Emergency situations - Protecting rights, safety, and property

5. Your Rights and Choices

• Access and update your information - Review, correct, or update personal data through your account settings
• Request deletion of your data - Subject to legal retention requirements and service necessities
• Object to processing - Challenge our basis for processing your information
• Data portability - Receive your data in a structured, commonly used format
• Withdraw consent - Opt-out of optional processing activities and marketing
• Restrict processing - Limit how we use your information in specific circumstances
• Lodge complaints - Contact supervisory authorities regarding data handling
• Account closure - Request account termination and data deletion
• Marketing preferences - Control communication preferences and subscriptions

6. Data Retention

We retain your information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce agreements. Financial records are typically kept for 7 years per regulatory requirements. Account information is retained while your account is active and for a period afterward for legal and operational purposes. When data is no longer needed, we securely delete or anonymize it following industry standards and regulatory guidelines.

7. Security

We implement industry-standard technical and organizational measures to protect your information, including encryption, access controls, regular security assessments, and employee training. We use secure data centers, maintain incident response plans, and regularly update our security protocols. While we strive to protect your data, no method of transmission over the Internet or electronic storage is 100% secure. We promptly notify users of any security incidents as required by law.

8. International Transfers

Your information may be transferred to and processed in countries outside your residence where we have operations or service providers. These countries may have different data protection laws. We ensure appropriate safeguards through Standard Contractual Clauses, adequacy decisions, and other legal mechanisms. We conduct privacy impact assessments for international transfers and implement additional security measures as needed.

9. Children's Privacy

Our services are not intended for children under 18. We do not knowingly collect personal information from children under 18. If we discover we have collected information from a child under 18, we will promptly delete it. We implement age verification measures and monitor for potential underage users. Parents or guardians who believe we may have collected information from a child under 18 should contact us immediately. We take additional precautions to prevent inadvertent collection of children's data and comply with applicable children's privacy protection laws.