Privacy Policy

We collect the following categories of personal data: Identity information (name, date of birth, nationality, ID documents); Contact information (email, phone number, address); Financial information (account details, transaction history, income information); Technical data (IP address, device information, browser type); Usage data (how you interact with our services); Biometric data (facial recognition for identity verification, with your consent). We collect this data directly from you, from third parties (credit bureaus, identity verification services), and automatically through your use of our services.

We use your personal data for the following purposes: To provide and manage our banking services; To verify your identity and comply with KYC/AML regulations; To process transactions and payments; To communicate with you about your account and services; To detect and prevent fraud and unauthorized activities; To improve our services and develop new features; To comply with legal and regulatory obligations; To send you marketing communications (with your consent); To conduct research and analytics.

We process your personal data under the following legal bases: Contract performance (to provide our banking services); Legal obligation (to comply with financial regulations); Legitimate interests (fraud prevention, security, service improvement); Consent (for marketing and certain processing activities).

We may share your personal data with: Banking partners and payment networks to process transactions; Identity verification and credit reference agencies; Regulatory authorities and law enforcement when required by law; Professional advisors (lawyers, auditors); Service providers who assist in operating our services (under strict data protection agreements); In the event of a merger, acquisition, or sale of assets, with appropriate notice. We never sell your personal data to third parties for marketing purposes.

We implement robust security measures to protect your personal data, including: End-to-end encryption for all data transmission; AES-256 encryption for data at rest; Multi-factor authentication; Regular security audits and penetration testing; Access controls and employee training; Incident response procedures. While we strive to protect your data, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

Under the GDPR, you have the following rights regarding your personal data:

• Right to access: Request a copy of your personal data
• Right to rectification: Correct inaccurate or incomplete data
• Right to erasure: Request deletion of your data (subject to legal retention requirements)
• Right to portability: Receive your data in a structured, machine-readable format
• Right to object: Object to processing based on legitimate interests or for direct marketing
• Right to restriction: Limit how we process your data in certain circumstances
• Right to withdraw consent: Withdraw consent for processing based on consent at any time

To exercise these rights, contact our Data Protection Officer at dpo@finanxia.com. We will respond within 30 days.

We use cookies and similar technologies to enhance your experience, analyze usage, and for marketing purposes. For detailed information, please refer to our Cookie Policy. You can manage your cookie preferences through your browser settings or our cookie consent tool.

We retain your personal data for as long as necessary to provide our services and comply with legal obligations. Account data is retained for the duration of your relationship with us and for a minimum of 5 years after account closure (as required by anti-money laundering regulations). Transaction records are retained for 10 years. Marketing preferences are retained until you withdraw consent.

Your data may be transferred to and processed in countries outside the European Economic Area (EEA). When we transfer data outside the EEA, we ensure appropriate safeguards are in place, including Standard Contractual Clauses approved by the European Commission, adequacy decisions, or your explicit consent where required.

If you have questions about this Privacy Policy or wish to exercise your data protection rights, please contact our Data Protection Officer at: dpo@finanxia.com. You also have the right to lodge a complaint with your local data protection authority (CNIL in France, or the equivalent authority in your country of residence).