Privacy Policy

1. Introduction

FinAegis ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform and services.

2. Information We Collect

2.1 Personal Information

We collect personal information that you provide directly to us, including:

• Identity Information: Full name, date of birth, nationality, government-issued ID
• Contact Information: Email address, phone number, physical address
• Financial Information: Bank account details, transaction history, source of funds
• Verification Documents: Passport, driver's license, utility bills, employment verification

2.2 Automatically Collected Information

We automatically collect certain information when you use our Service:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, features used, time spent, click patterns
• Transaction Data: Transaction amounts, timestamps, counterparties, references
• Location Data: General geographic location based on IP address

2.3 Information from Third Parties

We may receive information about you from:

• Banking partners and financial service providers
• Identity verification and KYC service providers
• Credit bureaus and fraud prevention services
• Public databases and government registries

3. How We Use Your Information

We use your information for the following purposes:

3.1 Service Provision

• Creating and managing your account
• Processing transactions and transfers
• Providing customer support
• Facilitating currency exchanges
• Managing bank allocations and distributions

3.2 Legal and Regulatory Compliance

• Verifying your identity (KYC procedures)
• Monitoring for money laundering and terrorist financing (AML)
• Reporting to regulatory authorities as required
• Maintaining transaction records for audit purposes

3.3 Security and Fraud Prevention

• Detecting and preventing fraudulent activities
• Monitoring for suspicious transactions
• Securing our platform and systems
• Investigating security incidents

3.4 Communication and Marketing

• Sending transaction confirmations and account updates
• Providing important service announcements
• Sending promotional materials (with your consent)
• Responding to your inquiries and requests

4. Information Sharing and Disclosure

4.1 Service Providers

We may share your information with trusted third-party service providers who assist us in operating our platform, including:

• Banking partners for fund custody and transfers
• Payment processors for transaction handling
• Identity verification services for KYC compliance
• Cloud infrastructure providers for data storage
• Customer support and communication platforms

4.2 Legal Requirements

We may disclose your information when required by law or in response to:

• Court orders, subpoenas, or other legal processes
• Regulatory inquiries or investigations
• Law enforcement requests
• Compliance with anti-money laundering regulations

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections.

5. Data Security

We implement robust security measures to protect your information:

• Encryption: All data is encrypted in transit and at rest using industry-standard algorithms
• Access Controls: Strict access controls limit who can view your information
• Multi-Factor Authentication: Required for all sensitive operations
• Regular Audits: Security assessments and penetration testing
• Incident Response: Procedures for detecting and responding to breaches

6. Data Retention

We retain your information for as long as necessary to:

• Provide our services to you
• Comply with legal and regulatory requirements
• Resolve disputes and enforce our agreements
• Maintain business records for audit purposes

Typically, we retain transaction records for 7 years after account closure, as required by financial regulations.

7. Your Rights (GDPR)

If you are in the European Economic Area, you have the following rights:

• Access: Request copies of your personal data
• Rectification: Request correction of inaccurate data
• Erasure: Request deletion of your data (subject to legal requirements)
• Restriction: Request limitation of processing
• Portability: Request transfer of your data
• Objection: Object to certain types of processing
• Withdraw Consent: Withdraw consent for consent-based processing

8. International Transfers

Your information may be processed in countries other than your own. We ensure adequate protection through:

• Standard Contractual Clauses approved by the European Commission
• Adequacy decisions recognizing equivalent protection levels
• Certification schemes and codes of conduct

9. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Authenticate your identity and maintain sessions
• Analyze usage patterns and improve our service
• Prevent fraud and enhance security

You can control cookie settings through your browser preferences.

10. Children's Privacy

Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the new Privacy Policy on our website
• Sending you an email notification
• Displaying a prominent notice on our platform

12. Contact Information

For privacy-related questions or to exercise your rights, contact us at:

13. Data Processing Legal Bases

We process your personal data based on the following legal grounds:

• Contract Performance: Processing necessary to provide our services
• Legal Obligation: Compliance with KYC, AML, and other regulations
• Legitimate Interest: Fraud prevention, security, and service improvement
• Consent: Marketing communications and optional features