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This Privacy Policy describes how Bifinance collects, uses, stores, processes and protects personal information when you access or use our website, mobile applications, payment services, digital wallets, and any other products or platforms we operate. By using our services, opening an account, accessing our website or interacting with our online platforms, you acknowledge that you have read and understood this Policy and that you consent to the practices described herein. Bifinance is committed to upholding the highest standards of data protection and privacy in accordance with applicable global regulations, including data protection and consumer financial security rules.
We value your trust. Protecting your information is our top priority, and we maintain industry-leading security frameworks to ensure confidentiality and compliance. Our goal is to give you transparency, control and confidence as you navigate our banking and cryptocurrency services. We operate with the mindset that your information belongs to you, and our duty is to protect it, use it responsibly and allow you to decide how much you disclose and how it is shared.
This Privacy Policy applies to all customers, visitors, partners and users who interact with Bifinance platforms or services. It covers personal and financial information collected during onboarding, platform usage, communication, verification, third-party interactions and technical processes. This Policy does not apply to services or websites not owned or operated by Bifinance, including third-party services linked from our platform. We encourage users to review privacy terms of external services before interacting with them.
We collect information necessary to deliver secure and compliant financial services. This includes identity data, contact data, banking information, digital asset wallet details, device details, transaction history, usage behavior and information required by global regulatory standards. We collect information you provide directly, information gathered automatically through technology, and information obtained from third-party providers such as identity verification partners, payment processors and regulatory authorities when applicable.
When you register or interact with our services, you may provide personal details such as full name, date of birth, nationality, residence information, government-issued identification documents, email address, phone number, photographs, proof of address, employment information and any supporting documents required for compliance verification. You may also provide information when funding your account, requesting support, participating in promotions or engaging in communication with the Bifinance support team.
To deliver digital banking and crypto services, we collect data relating to your financial activities, including card information, wallet details, payments, deposits, withdrawals, transfers, loan or investment activity, trades, and transaction patterns. This information enables us to securely process financial operations, prevent fraud, support compliance and provide detailed statements and reporting features.
When you use our platforms, we may collect device identifiers, IP address, browser type, operating system, mobile device data, time zone, language preferences, login data, geolocation data where legally permitted, cookies, log files, user behavior analytics, security event logs and performance metrics. This data helps us optimize the platform, improve user experience, detect abuse, and maintain secure operations.
We use cookies, tracking pixels and related technologies to personalize services, enhance user experience, secure platform access, remember preferences, authenticate sessions and analyze usage. Cookies may also be used for marketing and security purposes. You may adjust browser settings to reject cookies, though doing so may impact certain features or platform performance. Continued usage signifies consent to cookie-based technologies as described in this Policy.
We use personal information to verify identity, process transactions, secure accounts, manage risk, prevent fraud, provide customer service, improve platform experience, maintain regulatory compliance, and communicate important updates. We may also use data to enhance security protocols, develop features, personalize content, offer recommendations, deliver promotions and perform internal analytics for service improvements. Information may be processed to meet legal obligations, enforce agreements, and support dispute resolution.
We process data based on one or more lawful grounds including consent, contractual necessity, compliance with financial and security regulations, legitimate interest in improving and protecting services, fraud prevention, and defense of legal claims. When required, we may request explicit consent for additional uses. You may withdraw consent where applicable, subject to compliance requirements that mandate certain data retention.
Bifinance does not sell personal information. We may share data with regulated third-party partners such as payment processors, banking institutions, blockchain network providers, KYC/AML verification services, regulatory agencies, law enforcement authorities, fraud prevention platforms and technology providers for operational, legal, and security purposes. Information may be shared only when necessary, governed by contractual safeguards, and aligned with legal privacy obligations.
As a global financial platform, data may be transferred and processed across multiple countries with strong privacy and security standards. We ensure cross-border data transfers comply with regulatory requirements and that technical and contractual protections are applied to protect confidentiality, privacy and integrity of personal information regardless of jurisdiction.
We use advanced security protocols including encryption, multi-factor authentication, firewalls, access controls, automated monitoring, anomaly detection and secure storage frameworks. Information is protected against unauthorized access, alteration, disclosure or destruction. Employees, partners and contractors follow strict confidentiality policies and undergo security training. Despite the use of robust security systems, no digital platform can guarantee absolute immunity, and users agree to follow security practices including protecting passwords and reporting suspicious activity.
We retain personal information only as long as necessary to meet regulatory requirements, fulfill service obligations, manage risk, resolve disputes and conduct internal analytics. Financial institutions are legally required to retain certain data even after account closure for compliance, record-keeping and audit purposes. When retention is no longer required, information is securely erased or anonymized in accordance with data protection protocols.
Users may have rights depending on their jurisdiction, including rights to access, correct, update, restrict or delete personal data, object to processing, withdraw consent and request portability of information. Requests may be submitted through official communication channels. Some requests may be limited due to compliance obligations, fraud monitoring, transaction history and other legal requirements. We respond to requests in accordance with relevant regulations.
To comply with anti-money laundering rules, anti-terrorism financing laws, sanctions programs and banking regulations, we require identity verification and documentation. Your data is used solely for compliance and security purposes. Failure to provide information may result in account limitations or service restrictions. We reserve the right to request additional documentation if suspicious activity or regulatory triggers arise.
Blockchain transactions recorded on public ledgers may reveal wallet addresses and transfer history, though not necessarily personal identity. Bifinance takes reasonable measures to protect anonymity within blockchain constraints. Users understand blockchain transparency is inherent to decentralized networks and agree to participate with awareness of associated visibility.
We may send communications regarding account activity, security alerts, service updates, promotional offers or market insights. You may opt out of marketing messages while still receiving essential security and account notifications. Communication preferences can be managed in your account settings or by contacting support.
Our services are not intended for minors. We do not knowingly collect personal information from individuals under the legal age of financial consent based on jurisdiction. If such data is mistakenly collected, we will securely delete it upon verification. Parents or guardians who believe a child has accessed our platform without authorization should contact us immediately.
Our platform may contain links or integrations to third-party services, tools or websites. We are not responsible for privacy practices or content of external parties. Users are encouraged to review independent privacy policies before sharing information with third-party services.
We may update this Privacy Policy periodically to reflect changes in technology, regulation, or service enhancements. Users will be notified of updates through the platform or official communication channels. Continued use of our services after revisions constitutes acceptance of updated terms. We encourage periodic review of this Privacy Policy to stay informed about how your information is managed.
For privacy inquiries, data access requests, security concerns or general inquiries regarding this Policy, please contact our Data Protection Office through our official communication portals. We respond to legitimate requests within reasonable timeframes as required by applicable law. For compliance purposes, identity verification may be requested when handling data-related queries to protect user privacy.
Your privacy is fundamental to your trust in our services. Bifinance remains committed to transparency, security, ethical data handling and regulatory compliance. By continuing to use our services, you acknowledge and agree to the terms outlined in this Privacy Policy and empower us to protect and serve you responsibly in the evolving digital financial environment.