Privacy Policy

1. Information We Collect

1.1 Personal Information

When you register for an account, we collect personal information including:

• • Full name and date of birth
• • Email address and phone number
• • Residential address and country of residence
• • Government-issued identification (passport, driver's license, national ID)
• • Social Security Number or Tax ID (where required by law)
• • Proof of address documents
• • Employment information (for enhanced verification)
• • Source of funds information

1.2 Financial Information

To process your transactions, we collect:

• • Bank account details and routing numbers
• • Credit/debit card information
• • Payment method details
• • Transaction history and patterns
• • Currency exchange preferences

1.3 Technical Information

We automatically collect:

• • IP address and geolocation data
• • Device information (type, OS, browser)
• • Cookies and tracking technologies
• • Usage data and analytics
• • Login timestamps and activity logs

1.4 Communication Data

When you contact us, we collect:

• • Customer support communications
• • Email correspondence
• • Chat transcripts
• • Phone call recordings (with notice)

2. How We Use Your Information

2.1 Service Provision

We use your information to:

• • Process and complete money transfers
• • Verify your identity and prevent fraud
• • Maintain and secure your account
• • Calculate exchange rates and fees
• • Send transaction confirmations and receipts
• • Provide customer support

2.2 Legal Compliance

We process your data to:

• • Comply with Anti-Money Laundering (AML) regulations
• • Fulfill Know Your Customer (KYC) requirements
• • Report suspicious activities to authorities
• • Respond to legal requests and court orders
• • Meet tax reporting obligations
• • Screen against sanctions lists

2.3 Service Improvement

We analyze data to:

• • Improve our services and user experience
• • Develop new features and products
• • Conduct market research and analytics
• • Personalize your experience
• • Optimize our platform performance

2.4 Marketing Communications

With your consent, we may:

• • Send promotional offers and updates
• • Provide product recommendations
• • Share news and educational content
• • Invite you to participate in surveys

3. How We Share Your Information

3.1 Service Providers

We share data with trusted third parties who help us operate our services:

• • Banking partners and payment processors
• • Identity verification services
• • Cloud hosting providers
• • Customer support platforms
• • Analytics and monitoring tools
• • Marketing service providers

3.2 Legal Requirements

We may disclose information when required by law:

• • To comply with legal obligations
• • In response to valid legal requests
• • To enforce our Terms of Service
• • To protect our rights and property
• • To prevent fraud and ensure security
• • To report suspicious activities

3.3 Business Transfers

If AC Shore Financial is involved in a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity. We will notify you of any such change.

3.4 Your Recipients

When you send money, we share necessary information with your recipient's bank or payment provider to complete the transfer.

4. Data Security

4.1 Security Measures

We implement industry-standard security measures:

• • 256-bit SSL/TLS encryption for data transmission
• • Encrypted data storage
• • Multi-factor authentication
• • Regular security audits and penetration testing
• • Access controls and monitoring
• • Employee security training
• • Incident response procedures

4.2 Data Breach Protocol

In the event of a data breach, we will:

• • Investigate and contain the breach immediately
• • Notify affected users within 72 hours
• • Report to relevant authorities as required
• • Provide guidance on protective measures
• • Implement additional security enhancements

5. Your Privacy Rights

5.1 Access and Correction

You have the right to:

• • Access your personal information
• • Request corrections to inaccurate data
• • Update your account information
• • Download your data in a portable format

5.2 Data Deletion

You may request deletion of your data, subject to:

• • Legal retention requirements (typically 5-7 years)
• • Ongoing transaction obligations
• • Fraud prevention needs
• • Regulatory compliance requirements

5.3 Marketing Preferences

You can:

• • Opt out of marketing emails at any time
• • Manage communication preferences in your account
• • Unsubscribe using links in our emails

5.4 Cookie Management

You can control cookies through your browser settings. Note that disabling cookies may affect functionality.

6. International Data Transfers

AC Shore Financial operates globally. Your information may be transferred to and processed in countries other than your residence. We ensure appropriate safeguards are in place for international transfers, including Standard Contractual Clauses and adequacy decisions. By using our services, you consent to these transfers.

7. Data Retention

We retain your information for as long as necessary to:

• • Provide our services
• • Comply with legal obligations (typically 5-7 years after account closure)
• • Resolve disputes
• • Enforce our agreements
• • Prevent fraud and abuse

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we discover we have collected information from a child, we will delete it immediately.

9. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for the privacy practices of these sites. We encourage you to review their privacy policies.

10. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes by email or through our platform. The "Last Updated" date at the top indicates when the policy was last revised. Continued use after changes constitutes acceptance.

11. Regulatory Compliance

11.1 GDPR Compliance (EU Users)

If you are in the European Union, you have additional rights under GDPR:

• • Right to be forgotten (subject to legal limitations)
• • Right to data portability
• • Right to object to processing
• • Right to restrict processing
• • Right to lodge complaints with supervisory authorities

11.2 CCPA Compliance (California Users)

California residents have rights under CCPA:

• • Right to know what information is collected
• • Right to delete personal information
• • Right to opt out of sale (we do not sell data)
• • Right to non-discrimination