Privacy Policy

1. Introduction

FinCore Ltd (“FinCore”, “we”, “us”, or “our”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the FinCore OS platform and related services.

2. Information We Collect

We collect the following categories of information:

• Personal Data: Name, email address, phone number, date of birth, nationality, and residential address provided during account registration.
• Transaction Data: Details of transfers and payments you initiate, including amounts, currencies, recipient information, and timestamps.
• KYC Documents: Government-issued identification documents, proof of address, and selfie verification images submitted for identity verification.
• Technical Data: IP address, browser type, device information, and usage analytics collected automatically when you access the platform.

3. How We Use Your Information

We use your information to:

• Provide and maintain our remittance and payment services.
• Verify your identity and comply with Know Your Customer (KYC) regulations.
• Process transactions and send related notifications.
• Detect and prevent fraud, money laundering, and other financial crimes.
• Improve our platform, develop new features, and enhance user experience.
• Communicate service updates, security alerts, and support messages.
• Comply with applicable legal and regulatory obligations.

4. Data Sharing

We do not sell your personal information. We may share your data with the following categories of third parties where necessary to provide our services:

• Payment Providers: Banks, mobile money operators, and payout partners who process your transfers.
• Compliance Partners: Identity verification services, AML screening providers, and sanctions-list databases.
• Regulatory Authorities: Government and law-enforcement bodies where required by law.
• Infrastructure Providers: Cloud hosting and data-processing services operating under strict data-processing agreements.

5. Data Security

We implement industry-standard security measures to protect your data, including:

• AES-256 encryption for data at rest and TLS 1.2+ for data in transit.
• Role-based access controls limiting data access to authorised personnel.
• Regular penetration testing and security audits.
• Secure, redundant data centres with 24/7 monitoring.

6. Data Retention

We retain your personal data for as long as your account is active and for a minimum of five years after account closure, as required by anti-money-laundering regulations. Transaction records are retained for the period required by applicable law in each jurisdiction where we operate.

7. Your Rights

Under the General Data Protection Regulation (GDPR) and applicable data-protection laws, you have the following rights:

• Access: Request a copy of the personal data we hold about you.
• Rectification: Request correction of inaccurate or incomplete data.
• Erasure: Request deletion of your data, subject to legal retention obligations.
• Portability: Request your data in a structured, machine-readable format.
• Restriction: Request that we limit processing of your data in certain circumstances.
• Objection: Object to processing based on legitimate interests or direct marketing.

To exercise any of these rights, please contact us at privacy@fincoreos.com.

8. Cookies

We use essential cookies to ensure the proper functioning of our platform and analytics cookies to understand how our services are used. You can manage your cookie preferences through your browser settings. Disabling essential cookies may affect the functionality of our services.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the “Last updated” date. Your continued use of the platform after changes are posted constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Email: privacy@fincoreos.com

Address: FinCore Ltd, London, United Kingdom