Privacy Policy

1. Information we collect

We collect information you provide, information we generate as you use the Services, and information from third parties. This includes:

• Business information: legal name, address, registration and tax identifiers, industry, and ownership structure.
• Personal information about representatives and beneficial owners: name, date of birth, contact details, government identifiers, and verification documents collected as part of Know Your Business (KYB) and anti-money-laundering checks.
• Account and transaction data: balances, payments, transfers, card activity, and counterparties.
• Technical and usage data: device, log, and cookie information about how you interact with the Services.

2. How we use information

We use the information we collect to:

• Provide, operate, and improve the Services;
• Onboard and verify businesses and their representatives;
• Process and monitor transactions and prevent fraud;
• Meet legal, regulatory, and compliance obligations, including anti-money-laundering and sanctions requirements;
• Communicate with you about your account, security, and updates; and
• Analyze usage and develop new features.

3. How we share information

We share information as needed to deliver the Services, including with:

• Regulated banking partners and payment networks that provide the underlying banking, payment, and card services;
• Service providers that support identity verification, fraud prevention, hosting, and analytics, under contractual confidentiality obligations;
• Regulators, law enforcement, and other authorities where required by law or to protect our rights; and
• Parties to a corporate transaction, such as a merger, acquisition, or financing.

4. We do not sell your personal information

We do not sell personal information. We share information only for the purposes described in this Policy.

5. Data retention

We retain information for as long as necessary to provide the Services and to meet our legal, regulatory, tax, accounting, and recordkeeping obligations. Financial and compliance records are often subject to mandatory retention periods that may extend beyond the closure of an account.

6. Data security

We maintain administrative, technical, and physical safeguards designed to protect information against unauthorized access, loss, or misuse. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

7. International transfers

We and our service providers may process information in countries other than where you are located. Where required, we implement appropriate safeguards for such transfers.

8. Your rights and choices

Depending on your location, you or the relevant individuals may have rights to access, correct, delete, or restrict the processing of personal information, or to object to certain processing. Some of these rights are limited where we are legally required to retain information. To make a request, contact us using the details below.

9. Cookies and tracking

Our websites and applications use cookies and similar technologies to operate the Services, remember preferences, and understand usage. You can control cookies through your browser settings, though disabling them may affect functionality.

10. Children’s privacy

The Services are intended for businesses and are not directed to children. We do not knowingly collect personal information from children.

11. Changes to this Policy

We may update this Privacy Policy from time to time. If we make material changes, we will provide notice through the Services or by other reasonable means. The “Last updated” date above indicates when this Policy was last revised.